Side-by-side · Q2 2026 data
Hometown Federal Credit Union vs City of Firsts Community Federal Credit Union
Credit union
City of Firsts Community Federal Credit Union
Kokomo, Indiana · Under $100 million in assets
Metric by metric
| Measure | Hometown Federal Credit Union | City of Firsts Community Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 52 |
| Loan quality | 44 | 97 (stronger) |
| Earnings | 100 (stronger) | 30 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 62nd | 42nd |
| Total assets | $37.2M | $38.5M |
| Deposits / shares | $24.7M | $34.7M |
| Capital ratio | 33.28% (stronger) | 10.23% |
| Problem loans | 1.68% | 0.08% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.75% |
| Return on assets | 3.54% (stronger) | 0.24% |
| Loans ÷ deposits | 105.1% | 32.4% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 0.7% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hometown Federal Credit Union has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Hometown Federal Credit Union leads on 5 and City of Firsts Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.