Side-by-side · Q2 2026 data
Hsm Federal Credit Union vs Guco Credit Union
Metric by metric
| Measure | Hsm Federal Credit Union | Guco Credit Union |
|---|---|---|
| TellerScore | 74 | 81 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 73 | 96 (stronger) |
| Earnings | 42 (stronger) | 30 |
| Funding & liquidity | 70 | 77 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 49th | 68th |
| Total assets | $5.5M | $10.2M |
| Deposits / shares | $4.6M | $8.4M |
| Capital ratio | 14.13% | 17.82% (stronger) |
| Problem loans | 0.80% | 0.13% (stronger) |
| Net charge-offs | 0.74% | 0.02% (stronger) |
| Return on assets | 0.54% (stronger) | 0.24% |
| Loans ÷ deposits | 90.3% | 83.3% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.2% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Guco Credit Union has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Hsm Federal Credit Union leads on 2 and Guco Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.