Side-by-side · Q2 2026 data
Homestead Savings Bank vs South Central Credit Union
Metric by metric
| Measure | Homestead Savings Bank | South Central Credit Union |
|---|---|---|
| TellerScore | 68 | 78 (stronger) |
| Capital cushion | 44 | 92 (stronger) |
| Loan quality | 92 (stronger) | 81 |
| Earnings | 50 (stronger) | 26 |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 33rd | 59th |
| Total assets | $71.6M | $84.6M |
| Deposits / shares | $64.6M | $72.0M |
| Capital ratio | 9.42% | 14.20% (stronger) |
| Problem loans | 0.24% (stronger) | 0.56% |
| Net charge-offs | -0.00% (stronger) | 0.46% |
| Return on assets | 0.75% (stronger) | 0.16% |
| Loans ÷ deposits | 77.1% | 55.8% (stronger) |
| Uninsured deposits | 12.0% | 4.4% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
South Central Credit Union has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Homestead Savings Bank leads on 3 and South Central Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.