Side-by-side · Q2 2026 data
Hometown National Bank vs Financial Plus Credit Union
Metric by metric
| Measure | Hometown National Bank | Financial Plus Credit Union |
|---|---|---|
| TellerScore | 78 | 84 (stronger) |
| Capital cushion | 63 | 82 (stronger) |
| Loan quality | 94 (stronger) | 85 |
| Earnings | 63 | 79 (stronger) |
| Funding & liquidity | 88 (stronger) | 84 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 72nd | 86th |
| Total assets | $307.2M | $607.4M |
| Deposits / shares | $265.8M | $520.6M |
| Capital ratio | 11.30% | 13.24% (stronger) |
| Problem loans | 0.17% (stronger) | 0.45% |
| Net charge-offs | -0.02% (stronger) | 0.38% |
| Return on assets | 1.07% | 1.48% (stronger) |
| Loans ÷ deposits | 56.9% (stronger) | 76.0% |
| Uninsured deposits | 26.1% | 6.4% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | — |
Financial Plus Credit Union has the higher TellerScore (84 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Hometown National Bank leads on 3 and Financial Plus Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.