Side-by-side · Q2 2026 data
Merchants Bank of Indiana vs H a L E Federal Credit Union
Credit union
H a L E Federal Credit Union
Indianapolis, Indiana · Under $100 million in assets
Metric by metric
| Measure | Merchants Bank of Indiana | H a L E Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 100 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 61 | 100 (stronger) |
| Earnings | 80 | 100 (stronger) |
| Funding & liquidity | 35 | 100 (stronger) |
| Problem-loan coverage | 77 | 100 (stronger) |
| Peer percentile | 39th | 100th |
| Total assets | $21.2B | $399K |
| Deposits / shares | $14.3B | $295K |
| Capital ratio | 11.28% | 25.15% (stronger) |
| Problem loans | 1.18% | 0.00% (stronger) |
| Net charge-offs | 0.41% | -10.05% (stronger) |
| Return on assets | 1.49% | 4.12% (stronger) |
| Loans ÷ deposits | 120.5% | 51.8% (stronger) |
| Uninsured deposits | 29.0% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | — |
H a L E Federal Credit Union has the higher TellerScore (100 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank of Indiana leads on 0 and H a L E Federal Credit Union on 7. 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.