Side-by-side · Q2 2026 data
Hsm Federal Credit Union vs Summit Credit Union
Metric by metric
| Measure | Hsm Federal Credit Union | Summit Credit Union |
|---|---|---|
| TellerScore | 74 | 82 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 73 | 76 (stronger) |
| Earnings | 42 | 56 (stronger) |
| Funding & liquidity | 70 | 82 (stronger) |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 49th | 82nd |
| Total assets | $5.5M | $368.8M |
| Deposits / shares | $4.6M | $298.4M |
| Capital ratio | 14.13% | 15.44% (stronger) |
| Problem loans | 0.80% | 0.71% (stronger) |
| Net charge-offs | 0.74% (stronger) | 1.22% |
| Return on assets | 0.54% | 0.91% (stronger) |
| Loans ÷ deposits | 90.3% | 78.3% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 11.0% |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Summit Credit Union has the higher TellerScore (82 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Hsm Federal Credit Union leads on 2 and Summit 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.