Side-by-side · Q2 2026 data
HSBC Bank USA, National Association vs Navy Federal Credit Union
Metric by metric
| Measure | HSBC Bank USA, National Association | Navy Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 66 (stronger) |
| Capital cushion | 52 | 67 (stronger) |
| Loan quality | 52 (stronger) | 47 |
| Earnings | 59 | 75 (stronger) |
| Funding & liquidity | 50 | 76 (stronger) |
| Problem-loan coverage | 90 (stronger) | 80 |
| Peer percentile | 11th | 60th |
| Total assets | $173.1B | $204.4B |
| Deposits / shares | $141.2B | $173.4B |
| Capital ratio | 10.22% | 11.65% (stronger) |
| Problem loans | 1.45% (stronger) | 1.58% |
| Net charge-offs | 0.16% (stronger) | 2.35% |
| Return on assets | 0.98% | 1.38% (stronger) |
| Loans ÷ deposits | 38.9% (stronger) | 84.4% |
| Uninsured deposits | 68.1% | 9.7% (stronger) |
| Offices | 40 | 134 |
| CFPB complaints (3 yrs) | — | 34,444 |
| Complaints per $1B deposits | — | 198.7 |
| Mortgage denial rate (HMDA) | 9.5% | 32.9% |
Navy Federal Credit Union has the higher TellerScore (66 vs 57). On the 7 directional measures above (where higher or lower is clearly better), HSBC Bank USA, National Association leads on 3 and Navy Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.