Side-by-side · Q2 2026 data
The Hometown Savings Bank vs T H P Federal Credit Union
Metric by metric
| Measure | The Hometown Savings Bank | T H P Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 74 (stronger) |
| Capital cushion | 33 | 100 (stronger) |
| Loan quality | 80 | 96 (stronger) |
| Earnings | 29 (stronger) | 0 |
| Funding & liquidity | 67 | 69 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 11th | 49th |
| Total assets | $455.7M | $4.0M |
| Deposits / shares | $406.3M | $3.1M |
| Capital ratio | 8.29% | 24.03% (stronger) |
| Problem loans | 0.59% | 0.12% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.22% (stronger) | -0.63% |
| Loans ÷ deposits | 71.6% (stronger) | 90.9% |
| Uninsured deposits | 34.6% | 1.4% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | — |
T H P Federal Credit Union has the higher TellerScore (74 vs 55). On the 7 directional measures above (where higher or lower is clearly better), The Hometown Savings Bank leads on 2 and T H P Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.