Side-by-side · Q2 2026 data
Hawaiian Electric Employees Federal Credit Union vs Helco Federal Credit Union
Credit union
Hawaiian Electric Employees Federal Credit Union
Honolulu, Hawaii · Under $100 million in assets
Metric by metric
| Measure | Hawaiian Electric Employees Federal Credit Union | Helco Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 84 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 66 | 95 (stronger) |
| Earnings | 59 (stronger) | 27 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 72nd | 75th |
| Total assets | $37.1M | $46.5M |
| Deposits / shares | $30.1M | $37.6M |
| Capital ratio | 18.38% | 18.80% (stronger) |
| Problem loans | 1.02% | 0.14% (stronger) |
| Net charge-offs | 0.12% | -0.03% (stronger) |
| Return on assets | 0.99% (stronger) | 0.18% |
| Loans ÷ deposits | 51.6% (stronger) | 56.3% |
| Uninsured deposits | 1.7% (stronger) | 13.9% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Helco Federal Credit Union has the higher TellerScore (84 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Hawaiian Electric Employees Federal Credit Union leads on 3 and Helco Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.