Side-by-side · Q2 2026 data
H a L E Federal Credit Union vs Gary Municipal Employees Federal Credit Union
Credit union
H a L E Federal Credit Union
Indianapolis, Indiana · Under $100 million in assets
Credit union
Gary Municipal Employees Federal Credit Union
Gary, Indiana · Under $100 million in assets
Metric by metric
| Measure | H a L E Federal Credit Union | Gary Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 100 (stronger) | 54 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 100th | 13th |
| Total assets | $399K | $537K |
| Deposits / shares | $295K | $308K |
| Capital ratio | 25.15% | 40.56% (stronger) |
| Problem loans | 0.00% (stronger) | 7.73% |
| Net charge-offs | -10.05% (stronger) | 0.25% |
| Return on assets | 4.12% (stronger) | -1.11% |
| Loans ÷ deposits | 51.8% | 48.5% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
H a L E Federal Credit Union has the higher TellerScore (100 vs 54). On the 6 directional measures above (where higher or lower is clearly better), H a L E Federal Credit Union leads on 4 and Gary Municipal Employees Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.