Side-by-side · Q2 2026 data
H a L E Federal Credit Union vs Independent Federal Credit Union
Credit union
H a L E Federal Credit Union
Indianapolis, Indiana · Under $100 million in assets
Credit union
Independent Federal Credit Union
Anderson, Indiana · Under $100 million in assets
Metric by metric
| Measure | H a L E Federal Credit Union | Independent Federal Credit Union |
|---|---|---|
| TellerScore | 100 (stronger) | 45 |
| Capital cushion | 100 (stronger) | 60 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 100 (stronger) | 35 |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 100 (stronger) | 62 |
| Peer percentile | 100th | 5th |
| Total assets | $399K | $93.6M |
| Deposits / shares | $295K | $83.1M |
| Capital ratio | 25.15% (stronger) | 10.95% |
| Problem loans | 0.00% (stronger) | 3.43% |
| Net charge-offs | -10.05% (stronger) | 1.37% |
| Return on assets | 4.12% (stronger) | 0.38% |
| Loans ÷ deposits | 51.8% (stronger) | 65.9% |
| Uninsured deposits | 0.0% (stronger) | 2.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.5% |
H a L E Federal Credit Union has the higher TellerScore (100 vs 45). On the 7 directional measures above (where higher or lower is clearly better), H a L E Federal Credit Union leads on 7 and Independent 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.