Side-by-side · Q2 2026 data
The Malvern National Bank vs Combined Federal Credit Union
Credit union
Combined Federal Credit Union
Hot Springs, Arkansas · Under $100 million in assets
Metric by metric
| Measure | The Malvern National Bank | Combined Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 68 |
| Capital cushion | 44 | 87 (stronger) |
| Loan quality | 97 (stronger) | 31 |
| Earnings | 61 | 77 (stronger) |
| Funding & liquidity | 79 (stronger) | 73 |
| Problem-loan coverage | 99 (stronger) | 78 |
| Peer percentile | 47th | 36th |
| Total assets | $728.4M | $8.9M |
| Deposits / shares | $655.4M | $7.6M |
| Capital ratio | 9.45% | 13.71% (stronger) |
| Problem loans | 0.09% (stronger) | 2.08% |
| Net charge-offs | 0.01% | -0.05% (stronger) |
| Return on assets | 1.02% | 1.43% (stronger) |
| Loans ÷ deposits | 59.6% (stronger) | 87.6% |
| Uninsured deposits | 34.2% | 1.2% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.3% | — |
The Malvern National Bank has the higher TellerScore (71 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Malvern National Bank leads on 3 and Combined Federal Credit Union on 4. 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.