Side-by-side · Q2 2026 data
Kelly Community Federal Credit Union vs Highway Employees Credit Union
Metric by metric
| Measure | Kelly Community Federal Credit Union | Highway Employees Credit Union |
|---|---|---|
| TellerScore | 75 | 81 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 73 | 99 (stronger) |
| Earnings | 73 (stronger) | 11 |
| Funding & liquidity | 72 | 95 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 66th | 68th |
| Total assets | $189.4M | $1.8M |
| Deposits / shares | $161.4M | $1.2M |
| Capital ratio | 12.64% | 29.19% (stronger) |
| Problem loans | 0.82% | 0.04% (stronger) |
| Net charge-offs | 0.49% | 0.00% (stronger) |
| Return on assets | 1.33% (stronger) | -0.22% |
| Loans ÷ deposits | 87.9% | 65.1% (stronger) |
| Uninsured deposits | 3.2% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.0% | — |
Highway Employees Credit Union has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Kelly Community Federal Credit Union leads on 1 and Highway Employees Credit Union on 6. 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.