Side-by-side · Q2 2026 data
Hello Credit Union vs Innovations Financial Credit Union
Credit union
Innovations Financial Credit Union
Panama City, Florida · $100 million – $1 billion
Metric by metric
| Measure | Hello Credit Union | Innovations Financial Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 67 |
| Capital cushion | 94 (stronger) | 45 |
| Loan quality | 89 | 95 (stronger) |
| Earnings | 36 | 54 (stronger) |
| Funding & liquidity | 86 (stronger) | 62 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 78th | 41st |
| Total assets | $159.9M | $696.1M |
| Deposits / shares | $135.2M | $625.8M |
| Capital ratio | 14.35% (stronger) | 9.49% |
| Problem loans | 0.32% | 0.14% (stronger) |
| Net charge-offs | 1.02% | 0.31% (stronger) |
| Return on assets | 0.40% | 0.85% (stronger) |
| Loans ÷ deposits | 74.1% (stronger) | 86.6% |
| Uninsured deposits | 3.8% (stronger) | 25.6% |
| Offices | 4 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 18.8% |
Hello Credit Union has the higher TellerScore (80 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Hello Credit Union leads on 4 and Innovations Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.