Side-by-side · Q2 2026 data
The Twin Valley Bank vs Health Care Professionals Federal Credit Union
Credit union
Health Care Professionals Federal Credit Union
Richmond, Indiana · Under $100 million in assets
Metric by metric
| Measure | The Twin Valley Bank | Health Care Professionals Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 96 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 63 | 83 (stronger) |
| Funding & liquidity | 88 | 98 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 50th | 97th |
| Total assets | $137.6M | $41.6M |
| Deposits / shares | $126.5M | $33.4M |
| Capital ratio | 9.23% | 18.61% (stronger) |
| Problem loans | 0.08% | 0.00% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.20% |
| Return on assets | 1.08% | 1.57% (stronger) |
| Loans ÷ deposits | 72.6% | 62.5% (stronger) |
| Uninsured deposits | 12.2% | 4.8% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Health Care Professionals Federal Credit Union has the higher TellerScore (96 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Twin Valley Bank leads on 1 and Health Care Professionals Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.