Side-by-side · Q2 2026 data
Hometown Bank vs Summit Federal Credit Union
Metric by metric
| Measure | Hometown Bank | Summit Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 86 (stronger) |
| Capital cushion | 32 | 100 (stronger) |
| Loan quality | 80 | 81 (stronger) |
| Earnings | 27 | 58 (stronger) |
| Funding & liquidity | 67 | 96 (stronger) |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 10th | 80th |
| Total assets | $254.9M | $59.2M |
| Deposits / shares | $216.8M | $49.7M |
| Capital ratio | 8.17% | 15.55% (stronger) |
| Problem loans | 0.61% | 0.56% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.12% |
| Return on assets | 0.19% | 0.95% (stronger) |
| Loans ÷ deposits | 88.3% | 64.1% (stronger) |
| Uninsured deposits | 19.2% | 3.1% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | — |
Summit Federal Credit Union has the higher TellerScore (86 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Hometown Bank leads on 1 and Summit Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.