Side-by-side · Q2 2026 data
Hamakua Federal Credit Union vs Helco Federal Credit Union
Metric by metric
| Measure | Hamakua Federal Credit Union | Helco Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 84 |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 87 | 95 (stronger) |
| Earnings | 77 (stronger) | 27 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 89th | 75th |
| Total assets | $23.4M | $46.5M |
| Deposits / shares | $19.9M | $37.6M |
| Capital ratio | 14.53% | 18.80% (stronger) |
| Problem loans | 0.38% | 0.14% (stronger) |
| Net charge-offs | 0.02% | -0.03% (stronger) |
| Return on assets | 1.43% (stronger) | 0.18% |
| Loans ÷ deposits | 47.9% (stronger) | 56.3% |
| Uninsured deposits | 6.6% (stronger) | 13.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hamakua Federal Credit Union has the higher TellerScore (90 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Hamakua Federal Credit Union leads on 4 and Helco Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.