Side-by-side · Q2 2026 data
The Hamler State Bank vs Usx Federal Credit Union
Metric by metric
| Measure | The Hamler State Bank | Usx Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 78 (stronger) |
| Capital cushion | 93 (stronger) | 75 |
| Loan quality | 54 | 94 (stronger) |
| Earnings | 71 (stronger) | 37 |
| Funding & liquidity | 80 | 96 (stronger) |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 64th | 74th |
| Total assets | $125.3M | $258.1M |
| Deposits / shares | $107.4M | $225.9M |
| Capital ratio | 14.34% (stronger) | 12.54% |
| Problem loans | 1.38% | 0.18% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.27% |
| Return on assets | 1.27% (stronger) | 0.43% |
| Loans ÷ deposits | 80.1% | 63.8% (stronger) |
| Uninsured deposits | 10.3% | 2.9% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.4% |
Usx Federal Credit Union has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Hamler State Bank leads on 3 and Usx Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.