Side-by-side · Q2 2026 data
The Hometown Savings Bank vs Indiana State University Federal Credit Union
Credit union
Indiana State University Federal Credit Union
Terre Haute, Indiana · $100 million – $1 billion
Metric by metric
| Measure | The Hometown Savings Bank | Indiana State University Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 81 (stronger) |
| Capital cushion | 33 | 85 (stronger) |
| Loan quality | 80 | 84 (stronger) |
| Earnings | 29 | 53 (stronger) |
| Funding & liquidity | 67 | 94 (stronger) |
| Problem-loan coverage | 89 | 96 (stronger) |
| Peer percentile | 11th | 80th |
| Total assets | $455.7M | $139.9M |
| Deposits / shares | $406.3M | $119.7M |
| Capital ratio | 8.29% | 13.53% (stronger) |
| Problem loans | 0.59% | 0.48% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.05% |
| Return on assets | 0.22% | 0.84% (stronger) |
| Loans ÷ deposits | 71.6% | 66.4% (stronger) |
| Uninsured deposits | 34.6% | 4.5% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | 32.0% |
Indiana State University Federal Credit Union has the higher TellerScore (81 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The Hometown Savings Bank leads on 1 and Indiana State University Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.