Side-by-side · Q2 2026 data
Thiokol Elkton Federal Credit Union vs Hema Federal Credit Union
Credit union
Thiokol Elkton Federal Credit Union
Elkton, Maryland · Under $100 million in assets
Metric by metric
| Measure | Thiokol Elkton Federal Credit Union | Hema Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 60 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 95 (stronger) | 81 |
| Earnings | 24 (stronger) | 3 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 72nd | 22nd |
| Total assets | $23.8M | $16.7M |
| Deposits / shares | $19.9M | $15.0M |
| Capital ratio | 18.18% (stronger) | 9.78% |
| Problem loans | 0.16% (stronger) | 0.58% |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 0.11% (stronger) | -0.41% |
| Loans ÷ deposits | 47.3% | 46.1% (stronger) |
| Uninsured deposits | 1.7% | 0.0% (stronger) |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Thiokol Elkton Federal Credit Union has the higher TellerScore (83 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Thiokol Elkton Federal Credit Union leads on 5 and Hema Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.