Side-by-side · Q2 2026 data
Hsm Federal Credit Union vs Texas Gulf Carolina Emp Credit Union
Credit union
Texas Gulf Carolina Emp Credit Union
Aurora, North Carolina · Under $100 million in assets
Metric by metric
| Measure | Hsm Federal Credit Union | Texas Gulf Carolina Emp Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 45 |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 73 (stronger) | 0 |
| Earnings | 42 (stronger) | 0 |
| Funding & liquidity | 70 (stronger) | 54 |
| Problem-loan coverage | 91 (stronger) | 72 |
| Peer percentile | 49th | 5th |
| Total assets | $5.5M | $1.1M |
| Deposits / shares | $4.6M | $725K |
| Capital ratio | 14.13% | 36.27% (stronger) |
| Problem loans | 0.80% (stronger) | 9.84% |
| Net charge-offs | 0.74% | 0.00% (stronger) |
| Return on assets | 0.54% (stronger) | -5.49% |
| Loans ÷ deposits | 90.3% (stronger) | 106.1% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hsm Federal Credit Union has the higher TellerScore (74 vs 45). On the 6 directional measures above (where higher or lower is clearly better), Hsm Federal Credit Union leads on 4 and Texas Gulf Carolina Emp Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.