Side-by-side · Q2 2026 data
Haynes Community Federal Credit Union vs Industrial Federal Credit Union
Credit union
Haynes Community Federal Credit Union
Kokomo, Indiana · Under $100 million in assets
Metric by metric
| Measure | Haynes Community Federal Credit Union | Industrial Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 71 (stronger) |
| Capital cushion | 66 (stronger) | 42 |
| Loan quality | 32 | 86 (stronger) |
| Earnings | 49 | 76 (stronger) |
| Funding & liquidity | 84 (stronger) | 82 |
| Problem-loan coverage | 75 | 93 (stronger) |
| Peer percentile | 19th | 54th |
| Total assets | $42.3M | $356.1M |
| Deposits / shares | $37.2M | $320.0M |
| Capital ratio | 11.59% (stronger) | 9.22% |
| Problem loans | 2.04% | 0.41% (stronger) |
| Net charge-offs | 0.35% (stronger) | 0.42% |
| Return on assets | 0.71% | 1.40% (stronger) |
| Loans ÷ deposits | 76.2% (stronger) | 78.0% |
| Uninsured deposits | 3.3% | 2.9% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.3% |
Industrial Federal Credit Union has the higher TellerScore (71 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Haynes Community Federal Credit Union leads on 3 and Industrial Federal Credit Union on 4. 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.