Side-by-side · Q2 2026 data
Homeland Credit Union vs Atomic Credit Union
Metric by metric
| Measure | Homeland Credit Union | Atomic Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 36 |
| Loan quality | 63 | 92 (stronger) |
| Earnings | 57 (stronger) | 54 |
| Funding & liquidity | 100 (stronger) | 68 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 82nd | 31st |
| Total assets | $624.2M | $855.4M |
| Deposits / shares | $547.3M | $776.0M |
| Capital ratio | 15.79% (stronger) | 8.57% |
| Problem loans | 1.10% | 0.24% (stronger) |
| Net charge-offs | 0.89% | 0.41% (stronger) |
| Return on assets | 0.93% (stronger) | 0.85% |
| Loans ÷ deposits | 30.5% (stronger) | 92.1% |
| Uninsured deposits | 7.6% (stronger) | 9.7% |
| Offices | 5 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.3% | 42.9% |
Homeland Credit Union has the higher TellerScore (82 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Homeland Credit Union leads on 5 and Atomic Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Chillicothe, OH
- Circleville, OH
- Waverly, OH