Side-by-side · Q2 2026 data
Your Hometown Federal Credit Union vs Main Impact Federal Credit Union
Credit union
Your Hometown Federal Credit Union
Mayfield, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Your Hometown Federal Credit Union | Main Impact Federal Credit Union |
|---|---|---|
| TellerScore | 47 | 74 (stronger) |
| Capital cushion | 43 | 55 (stronger) |
| Loan quality | 42 | 99 (stronger) |
| Earnings | 0 | 45 (stronger) |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 7th | 49th |
| Total assets | $25.6M | $23.3M |
| Deposits / shares | $23.1M | $20.8M |
| Capital ratio | 9.25% | 10.47% (stronger) |
| Problem loans | 1.75% | 0.03% (stronger) |
| Net charge-offs | -0.18% (stronger) | 0.16% |
| Return on assets | -0.73% | 0.63% (stronger) |
| Loans ÷ deposits | 33.7% (stronger) | 68.8% |
| Uninsured deposits | 7.0% | 2.1% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Main Impact Federal Credit Union has the higher TellerScore (74 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Your Hometown Federal Credit Union leads on 2 and Main Impact Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.