Side-by-side · Q2 2026 data
Town of Hempstead Employees Federal Credit Union vs Latvian Federal Credit Union
Credit union
Town of Hempstead Employees Federal Credit Union
North Baldwin, New York · $100 million – $1 billion
Credit union
Latvian Federal Credit Union
Melville, New York · Under $100 million in assets
Metric by metric
| Measure | Town of Hempstead Employees Federal Credit Union | Latvian Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 88 (stronger) |
| Capital cushion | 30 | 100 (stronger) |
| Loan quality | 54 | 100 (stronger) |
| Earnings | 47 (stronger) | 42 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 13th | 85th |
| Total assets | $149.4M | $1.8M |
| Deposits / shares | $136.7M | $1.4M |
| Capital ratio | 8.04% | 25.25% (stronger) |
| Problem loans | 1.39% | 0.00% (stronger) |
| Net charge-offs | 0.25% | 0.00% (stronger) |
| Return on assets | 0.68% (stronger) | 0.55% |
| Loans ÷ deposits | 40.3% | 20.4% (stronger) |
| Uninsured deposits | 6.8% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Latvian Federal Credit Union has the higher TellerScore (88 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Town of Hempstead Employees Federal Credit Union leads on 1 and Latvian Federal Credit Union on 6. 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.