Side-by-side · Q2 2026 data
HomeTown Bank, National Association vs Gulf Coast Educators Federal Credit Union
Credit union
Gulf Coast Educators Federal Credit Union
Pasadena, Texas · $1 billion – $10 billion
Metric by metric
| Measure | HomeTown Bank, National Association | Gulf Coast Educators Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 77 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 99 (stronger) | 70 |
| Earnings | 63 (stronger) | 56 |
| Funding & liquidity | 57 | 59 (stronger) |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 61st | 82nd |
| Total assets | $990.4M | $1.3B |
| Deposits / shares | $891.1M | $1.1B |
| Capital ratio | 11.33% | 15.70% (stronger) |
| Problem loans | 0.04% (stronger) | 0.90% |
| Net charge-offs | 0.01% (stronger) | 0.67% |
| Return on assets | 1.07% (stronger) | 0.91% |
| Loans ÷ deposits | 77.5% (stronger) | 81.9% |
| Uninsured deposits | 38.1% | 32.5% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.9% |
Gulf Coast Educators Federal Credit Union has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), HomeTown Bank, National Association leads on 4 and Gulf Coast Educators Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.