Side-by-side · Q2 2026 data
Holyoke Community Federal Credit Union vs Electrical Federal Credit Union
Credit union
Holyoke Community Federal Credit Union
Holyoke, Colorado · Under $100 million in assets
Metric by metric
| Measure | Holyoke Community Federal Credit Union | Electrical Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 77 (stronger) |
| Capital cushion | 33 | 80 (stronger) |
| Loan quality | 71 | 75 (stronger) |
| Earnings | 64 (stronger) | 49 |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 87 | 95 (stronger) |
| Peer percentile | 26th | 57th |
| Total assets | $49.8M | $54.3M |
| Deposits / shares | $44.6M | $47.1M |
| Capital ratio | 8.31% | 12.99% (stronger) |
| Problem loans | 0.88% | 0.75% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.96% |
| Return on assets | 1.10% (stronger) | 0.73% |
| Loans ÷ deposits | 68.6% | 52.5% (stronger) |
| Uninsured deposits | 9.2% | 4.9% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Electrical Federal Credit Union has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Holyoke Community Federal Credit Union leads on 2 and Electrical Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.