Side-by-side · Q2 2026 data
Hometown Community Bank vs Magnifi Financial Credit Union
Metric by metric
| Measure | Hometown Community Bank | Magnifi Financial Credit Union |
|---|---|---|
| TellerScore | 57 | 68 (stronger) |
| Capital cushion | 41 | 60 (stronger) |
| Loan quality | 41 | 93 (stronger) |
| Earnings | 93 (stronger) | 44 |
| Funding & liquidity | 61 | 61 |
| Problem-loan coverage | 69 | 92 (stronger) |
| Peer percentile | 14th | 50th |
| Total assets | $105.7M | $2.8B |
| Deposits / shares | $90.8M | $2.3B |
| Capital ratio | 9.09% | 11.04% (stronger) |
| Problem loans | 1.78% | 0.21% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.20% |
| Return on assets | 1.84% (stronger) | 0.61% |
| Loans ÷ deposits | 99.1% (stronger) | 99.6% |
| Uninsured deposits | 11.5% (stronger) | 13.9% |
| Offices | 4 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.6% |
Magnifi Financial Credit Union has the higher TellerScore (68 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Hometown Community Bank leads on 4 and Magnifi Financial Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.