Side-by-side · Q2 2026 data
H a L E Federal Credit Union vs Elements Financial Federal Credit Union
Credit union
H a L E Federal Credit Union
Indianapolis, Indiana · Under $100 million in assets
Credit union
Elements Financial Federal Credit Union
Indianapolis, Indiana · $1 billion – $10 billion
Metric by metric
| Measure | H a L E Federal Credit Union | Elements Financial Federal Credit Union |
|---|---|---|
| TellerScore | 100 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 100 (stronger) | 76 |
| Funding & liquidity | 100 (stronger) | 69 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 100th | 82nd |
| Total assets | $399K | $2.5B |
| Deposits / shares | $295K | $2.0B |
| Capital ratio | 25.15% (stronger) | 11.92% |
| Problem loans | 0.00% (stronger) | 0.46% |
| Net charge-offs | -10.05% (stronger) | 0.21% |
| Return on assets | 4.12% (stronger) | 1.40% |
| Loans ÷ deposits | 51.8% (stronger) | 85.3% |
| Uninsured deposits | 0.0% (stronger) | 20.5% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.7% |
H a L E Federal Credit Union has the higher TellerScore (100 vs 77). On the 7 directional measures above (where higher or lower is clearly better), H a L E Federal Credit Union leads on 7 and Elements Financial Federal Credit Union on 0. 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.