Side-by-side · Q2 2026 data
The Hamler State Bank vs Millstream Area Credit Union
Metric by metric
| Measure | The Hamler State Bank | Millstream Area Credit Union |
|---|---|---|
| TellerScore | 76 | 82 (stronger) |
| Capital cushion | 93 (stronger) | 76 |
| Loan quality | 54 | 78 (stronger) |
| Earnings | 71 | 77 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 87 | 95 (stronger) |
| Peer percentile | 64th | 70th |
| Total assets | $125.3M | $70.8M |
| Deposits / shares | $107.4M | $61.3M |
| Capital ratio | 14.34% (stronger) | 12.64% |
| Problem loans | 1.38% | 0.66% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.38% |
| Return on assets | 1.27% | 1.41% (stronger) |
| Loans ÷ deposits | 80.1% | 55.9% (stronger) |
| Uninsured deposits | 10.3% | 0.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Millstream Area Credit Union has the higher TellerScore (82 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Hamler State Bank leads on 2 and Millstream Area Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.