Side-by-side · Q2 2026 data
National Cooperative Bank, N.A. vs Homeland Credit Union
Metric by metric
| Measure | National Cooperative Bank, N.A. | Homeland Credit Union |
|---|---|---|
| TellerScore | 46 | 82 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 11 | 63 (stronger) |
| Earnings | 75 (stronger) | 57 |
| Funding & liquidity | 18 | 100 (stronger) |
| Problem-loan coverage | 63 | 96 (stronger) |
| Peer percentile | 5th | 82nd |
| Total assets | $4.3B | $624.2M |
| Deposits / shares | $3.6B | $547.3M |
| Capital ratio | 11.28% | 15.79% (stronger) |
| Problem loans | 2.67% | 1.10% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.89% |
| Return on assets | 1.37% (stronger) | 0.93% |
| Loans ÷ deposits | 95.5% | 30.5% (stronger) |
| Uninsured deposits | 56.7% | 7.6% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 33.3% |
Homeland Credit Union has the higher TellerScore (82 vs 46). On the 7 directional measures above (where higher or lower is clearly better), National Cooperative Bank, N.A. leads on 2 and Homeland 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.