Side-by-side · Q2 2026 data
Locality Bank vs Hialeah Municipal Employees Federal Credit Union
Credit union
Hialeah Municipal Employees Federal Credit Union
Hialeah, Florida · Under $100 million in assets
Metric by metric
| Measure | Locality Bank | Hialeah Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 81 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 48 | 99 (stronger) |
| Earnings | 32 (stronger) | 22 |
| Funding & liquidity | 31 | 81 (stronger) |
| Problem-loan coverage | 82 | 100 (stronger) |
| Peer percentile | 11th | 68th |
| Total assets | $396.2M | $14.2M |
| Deposits / shares | $346.0M | $10.9M |
| Capital ratio | 12.91% | 22.90% (stronger) |
| Problem loans | 1.55% | 0.04% (stronger) |
| Net charge-offs | 0.13% | 0.06% (stronger) |
| Return on assets | 0.29% (stronger) | 0.05% |
| Loans ÷ deposits | 89.1% | 78.8% (stronger) |
| Uninsured deposits | 51.3% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hialeah Municipal Employees Federal Credit Union has the higher TellerScore (81 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Locality Bank leads on 1 and Hialeah Municipal Employees Federal 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.