Side-by-side · Q2 2026 data
Hsm Federal Credit Union vs North Carolina Press Association Federal Credit Union
Credit union
North Carolina Press Association Federal Credit Union
Raleigh, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Hsm Federal Credit Union | North Carolina Press Association Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 75 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 73 (stronger) | 8 |
| Earnings | 42 | 94 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 49th | 52nd |
| Total assets | $5.5M | $12.0M |
| Deposits / shares | $4.6M | $9.7M |
| Capital ratio | 14.13% | 18.83% (stronger) |
| Problem loans | 0.80% (stronger) | 2.76% |
| Net charge-offs | 0.74% (stronger) | 2.49% |
| Return on assets | 0.54% | 1.86% (stronger) |
| Loans ÷ deposits | 90.3% | 28.3% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Carolina Press Association Federal Credit Union has the higher TellerScore (75 vs 74). On the 6 directional measures above (where higher or lower is clearly better), Hsm Federal Credit Union leads on 2 and North Carolina Press Association Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.