Side-by-side · Q2 2026 data
The Hamler State Bank vs Midwest Community Federal Credit Union
Credit union
Midwest Community Federal Credit Union
Defiance, Ohio · $100 million – $1 billion
Metric by metric
| Measure | The Hamler State Bank | Midwest Community Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 60 |
| Capital cushion | 93 (stronger) | 35 |
| Loan quality | 54 | 65 (stronger) |
| Earnings | 71 (stronger) | 62 |
| Funding & liquidity | 80 | 83 (stronger) |
| Problem-loan coverage | 87 (stronger) | 82 |
| Peer percentile | 64th | 21st |
| Total assets | $125.3M | $267.2M |
| Deposits / shares | $107.4M | $246.5M |
| Capital ratio | 14.34% (stronger) | 8.50% |
| Problem loans | 1.38% | 1.05% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.13% |
| Return on assets | 1.27% (stronger) | 1.05% |
| Loans ÷ deposits | 80.1% | 76.9% (stronger) |
| Uninsured deposits | 10.3% | 3.6% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Hamler State Bank has the higher TellerScore (76 vs 60). On the 7 directional measures above (where higher or lower is clearly better), The Hamler State Bank leads on 4 and Midwest Community Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.