Side-by-side · Q2 2026 data
The Havana National Bank vs The Family Credit Union
Metric by metric
| Measure | The Havana National Bank | The Family Credit Union |
|---|---|---|
| TellerScore | 55 | 75 (stronger) |
| Capital cushion | 72 | 90 (stronger) |
| Loan quality | 10 | 63 (stronger) |
| Earnings | 85 (stronger) | 41 |
| Funding & liquidity | 48 | 99 (stronger) |
| Problem-loan coverage | 69 | 90 (stronger) |
| Peer percentile | 11th | 66th |
| Total assets | $332.8M | $253.3M |
| Deposits / shares | $234.2M | $216.0M |
| Capital ratio | 12.17% | 13.99% (stronger) |
| Problem loans | 2.69% | 1.10% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.99% |
| Return on assets | 1.63% (stronger) | 0.52% |
| Loans ÷ deposits | 98.1% | 61.5% (stronger) |
| Uninsured deposits | 28.0% | 5.5% (stronger) |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.5% | — |
The Family Credit Union has the higher TellerScore (75 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The Havana National Bank leads on 2 and The Family Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.