Side-by-side · Q2 2026 data
Holyoke Credit Union vs St. Jean'S Credit Union
Metric by metric
| Measure | Holyoke Credit Union | St. Jean'S Credit Union |
|---|---|---|
| TellerScore | 53 | 63 (stronger) |
| Capital cushion | 42 | 48 (stronger) |
| Loan quality | 53 | 82 (stronger) |
| Earnings | 39 (stronger) | 32 |
| Funding & liquidity | 76 | 81 (stronger) |
| Problem-loan coverage | 79 | 92 (stronger) |
| Peer percentile | 9th | 29th |
| Total assets | $296.4M | $372.5M |
| Deposits / shares | $240.3M | $326.0M |
| Capital ratio | 9.16% | 9.84% (stronger) |
| Problem loans | 1.42% | 0.54% (stronger) |
| Net charge-offs | 0.30% | 0.15% (stronger) |
| Return on assets | 0.48% (stronger) | 0.29% |
| Loans ÷ deposits | 84.6% | 78.8% (stronger) |
| Uninsured deposits | 6.5% | 6.2% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.2% | 27.7% |
St. Jean'S Credit Union has the higher TellerScore (63 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Holyoke Credit Union leads on 1 and St. Jean'S Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.