Side-by-side · Q2 2026 data
Hsm Federal Credit Union vs Nova Credit Union
Metric by metric
| Measure | Hsm Federal Credit Union | Nova Credit Union |
|---|---|---|
| TellerScore | 74 | 79 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 73 | 81 (stronger) |
| Earnings | 42 (stronger) | 34 |
| Funding & liquidity | 70 | 84 (stronger) |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 49th | 76th |
| Total assets | $5.5M | $120.7M |
| Deposits / shares | $4.6M | $99.5M |
| Capital ratio | 14.13% | 17.65% (stronger) |
| Problem loans | 0.80% | 0.56% (stronger) |
| Net charge-offs | 0.74% | 0.35% (stronger) |
| Return on assets | 0.54% (stronger) | 0.36% |
| Loans ÷ deposits | 90.3% | 76.7% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.0% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Nova Credit Union has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Hsm Federal Credit Union leads on 2 and Nova Credit Union on 5. 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.