Side-by-side · Q2 2026 data
Hsm Federal Credit Union vs Allvac Savings and Credit Union
Credit union
Allvac Savings and Credit Union
Monroe, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Hsm Federal Credit Union | Allvac Savings and Credit Union |
|---|---|---|
| TellerScore | 74 | 90 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 73 | 97 (stronger) |
| Earnings | 42 | 63 (stronger) |
| Funding & liquidity | 70 | 91 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 49th | 89th |
| Total assets | $5.5M | $9.5M |
| Deposits / shares | $4.6M | $7.8M |
| Capital ratio | 14.13% | 17.59% (stronger) |
| Problem loans | 0.80% | 0.09% (stronger) |
| Net charge-offs | 0.74% | 0.39% (stronger) |
| Return on assets | 0.54% | 1.07% (stronger) |
| Loans ÷ deposits | 90.3% | 68.9% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 8.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Allvac Savings and Credit Union has the higher TellerScore (90 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Hsm Federal Credit Union leads on 1 and Allvac Savings and Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.