Side-by-side · Q2 2026 data
Morganton Savings Bank, S.S.B. vs Hsm Federal Credit Union
Metric by metric
| Measure | Morganton Savings Bank, S.S.B. | Hsm Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 91 |
| Loan quality | 93 (stronger) | 73 |
| Earnings | 35 | 42 (stronger) |
| Funding & liquidity | 72 (stronger) | 70 |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 80th | 49th |
| Total assets | $114.5M | $5.5M |
| Deposits / shares | $77.7M | $4.6M |
| Capital ratio | 25.46% (stronger) | 14.13% |
| Problem loans | 0.21% (stronger) | 0.80% |
| Net charge-offs | 0.00% (stronger) | 0.74% |
| Return on assets | 0.37% | 0.54% (stronger) |
| Loans ÷ deposits | 84.7% (stronger) | 90.3% |
| Uninsured deposits | 18.3% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Morganton Savings Bank, S.S.B. has the higher TellerScore (81 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Morganton Savings Bank, S.S.B. leads on 5 and Hsm Federal Credit Union on 2. 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.