Side-by-side · Q2 2026 data
The Hometown Bank of Alabama vs Family Security Credit Union
Metric by metric
| Measure | The Hometown Bank of Alabama | Family Security Credit Union |
|---|---|---|
| TellerScore | 57 | 95 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 32 | 80 (stronger) |
| Earnings | 59 | 99 (stronger) |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 73 | 97 (stronger) |
| Peer percentile | 14th | 100th |
| Total assets | $660.7M | $1.1B |
| Deposits / shares | $563.9M | $876.5M |
| Capital ratio | 11.08% | 19.92% (stronger) |
| Problem loans | 2.03% | 0.61% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.55% |
| Return on assets | 0.97% | 1.98% (stronger) |
| Loans ÷ deposits | 70.6% | 47.7% (stronger) |
| Uninsured deposits | 26.8% | 2.9% (stronger) |
| Offices | 4 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.1% | 37.5% |
Family Security Credit Union has the higher TellerScore (95 vs 57). On the 7 directional measures above (where higher or lower is clearly better), The Hometown Bank of Alabama leads on 1 and Family Security Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.