Side-by-side · Q2 2026 data
Somerville Bank vs Health Care Professionals Federal Credit Union
Credit union
Health Care Professionals Federal Credit Union
Richmond, Indiana · Under $100 million in assets
Metric by metric
| Measure | Somerville Bank | Health Care Professionals Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 96 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 63 | 100 (stronger) |
| Earnings | 50 | 83 (stronger) |
| Funding & liquidity | 84 | 98 (stronger) |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 19th | 97th |
| Total assets | $290.6M | $41.6M |
| Deposits / shares | $260.7M | $33.4M |
| Capital ratio | 9.54% | 18.61% (stronger) |
| Problem loans | 1.10% | 0.00% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.20% |
| Return on assets | 0.74% | 1.57% (stronger) |
| Loans ÷ deposits | 75.9% | 62.5% (stronger) |
| Uninsured deposits | 11.0% | 4.8% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.0% | — |
Health Care Professionals Federal Credit Union has the higher TellerScore (96 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Somerville Bank leads on 1 and Health Care Professionals 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.