Side-by-side · Q2 2026 data
Citizens Bank vs H a L E Federal Credit Union
Credit union
H a L E Federal Credit Union
Indianapolis, Indiana · Under $100 million in assets
Metric by metric
| Measure | Citizens Bank | H a L E Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 100 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 59 | 100 (stronger) |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 47th | 100th |
| Total assets | $690.6M | $399K |
| Deposits / shares | $622.8M | $295K |
| Capital ratio | 9.78% | 25.15% (stronger) |
| Problem loans | 0.09% | 0.00% (stronger) |
| Net charge-offs | 0.02% | -10.05% (stronger) |
| Return on assets | 0.98% | 4.12% (stronger) |
| Loans ÷ deposits | 74.1% | 51.8% (stronger) |
| Uninsured deposits | 31.0% | 0.0% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.6% | — |
H a L E Federal Credit Union has the higher TellerScore (100 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 0 and H a L E Federal Credit Union on 7. 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.