Side-by-side · Q2 2026 data
Helm Bank USA vs Educational Federal Credit Union
Metric by metric
| Measure | Helm Bank USA | Educational Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 84 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 45 | 80 (stronger) |
| Earnings | 64 (stronger) | 59 |
| Funding & liquidity | 56 | 87 (stronger) |
| Problem-loan coverage | 82 | 95 (stronger) |
| Peer percentile | 19th | 93rd |
| Total assets | $1.2B | $1.8B |
| Deposits / shares | $1.1B | $1.6B |
| Capital ratio | 11.18% | 15.45% (stronger) |
| Problem loans | 1.65% | 0.61% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.49% |
| Return on assets | 1.09% (stronger) | 0.99% |
| Loans ÷ deposits | 61.4% (stronger) | 73.0% |
| Uninsured deposits | 53.6% | 9.5% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | 41.6% |
Educational Federal Credit Union has the higher TellerScore (84 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Helm Bank USA leads on 3 and Educational Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.