Side-by-side · Q2 2026 data
Hometown Credit Union vs Western Cooperative
Metric by metric
| Measure | Hometown Credit Union | Western Cooperative |
|---|---|---|
| TellerScore | 58 | 64 (stronger) |
| Capital cushion | 100 (stronger) | 92 |
| Loan quality | 0 | 0 |
| Earnings | 77 (stronger) | 71 |
| Funding & liquidity | 62 | 95 (stronger) |
| Problem-loan coverage | 30 | 80 (stronger) |
| Peer percentile | 16th | 31st |
| Total assets | $223.1M | $522.2M |
| Deposits / shares | $182.0M | $452.5M |
| Capital ratio | 15.56% (stronger) | 14.20% |
| Problem loans | 6.81% | 3.17% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 1.43% (stronger) | 1.27% |
| Loans ÷ deposits | 98.1% | 52.6% (stronger) |
| Uninsured deposits | 8.9% (stronger) | 19.6% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Western Cooperative has the higher TellerScore (64 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Hometown Credit Union leads on 4 and Western Cooperative on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.