Side-by-side · Q2 2026 data
Hsm Federal Credit Union vs Mount Vernon Baptist Church Credit Union
Credit union
Mount Vernon Baptist Church Credit Union
Durham, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Hsm Federal Credit Union | Mount Vernon Baptist Church Credit Union |
|---|---|---|
| TellerScore | 74 | 100 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 73 | 100 (stronger) |
| Earnings | 42 | 100 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 49th | 100th |
| Total assets | $5.5M | $153K |
| Deposits / shares | $4.6M | $95K |
| Capital ratio | 14.13% | 37.73% (stronger) |
| Problem loans | 0.80% | 0.00% (stronger) |
| Net charge-offs | 0.74% | 0.00% (stronger) |
| Return on assets | 0.54% | 2.15% (stronger) |
| Loans ÷ deposits | 90.3% | 7.1% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mount Vernon Baptist Church Credit Union has the higher TellerScore (100 vs 74). On the 6 directional measures above (where higher or lower is clearly better), Hsm Federal Credit Union leads on 0 and Mount Vernon Baptist Church Credit Union on 6. 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.