Side-by-side · Q2 2026 data
Points West Community Bank vs Holyoke Community Federal Credit Union
Credit union
Holyoke Community Federal Credit Union
Holyoke, Colorado · Under $100 million in assets
Metric by metric
| Measure | Points West Community Bank | Holyoke Community Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 63 |
| Capital cushion | 42 (stronger) | 33 |
| Loan quality | 98 (stronger) | 71 |
| Earnings | 78 (stronger) | 64 |
| Funding & liquidity | 84 | 92 (stronger) |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 61st | 26th |
| Total assets | $877.6M | $49.8M |
| Deposits / shares | $768.0M | $44.6M |
| Capital ratio | 9.22% (stronger) | 8.31% |
| Problem loans | 0.06% (stronger) | 0.88% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.45% (stronger) | 1.10% |
| Loans ÷ deposits | 59.8% (stronger) | 68.6% |
| Uninsured deposits | 29.3% | 9.2% (stronger) |
| Offices | 23 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Points West Community Bank has the higher TellerScore (75 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Points West Community Bank leads on 6 and Holyoke Community Federal Credit Union on 1. 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.