Side-by-side · Q2 2026 data
Hello Credit Union vs First Commerce Credit Union
Metric by metric
| Measure | Hello Credit Union | First Commerce Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 65 |
| Capital cushion | 94 (stronger) | 51 |
| Loan quality | 89 (stronger) | 83 |
| Earnings | 36 | 47 (stronger) |
| Funding & liquidity | 86 (stronger) | 68 |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 78th | 41st |
| Total assets | $159.9M | $1.2B |
| Deposits / shares | $135.2M | $1.1B |
| Capital ratio | 14.35% (stronger) | 10.13% |
| Problem loans | 0.32% (stronger) | 0.50% |
| Net charge-offs | 1.02% | 0.41% (stronger) |
| Return on assets | 0.40% | 0.68% (stronger) |
| Loans ÷ deposits | 74.1% (stronger) | 92.7% |
| Uninsured deposits | 3.8% (stronger) | 9.2% |
| Offices | 4 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.6% |
Hello Credit Union has the higher TellerScore (80 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Hello Credit Union leads on 5 and First Commerce Credit Union on 2. 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.