Side-by-side · Q2 2026 data
Hsm Federal Credit Union vs Members Credit Union
Credit union
Members Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Hsm Federal Credit Union | Members Credit Union |
|---|---|---|
| TellerScore | 74 | 85 (stronger) |
| Capital cushion | 91 | 98 (stronger) |
| Loan quality | 73 | 73 |
| Earnings | 42 | 62 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 49th | 87th |
| Total assets | $5.5M | $477.1M |
| Deposits / shares | $4.6M | $404.2M |
| Capital ratio | 14.13% | 14.83% (stronger) |
| Problem loans | 0.80% (stronger) | 0.82% |
| Net charge-offs | 0.74% (stronger) | 1.39% |
| Return on assets | 0.54% | 1.06% (stronger) |
| Loans ÷ deposits | 90.3% | 46.5% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.3% |
| Offices | 1 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members Credit Union has the higher TellerScore (85 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Hsm Federal Credit Union leads on 3 and Members Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.