Side-by-side · Q2 2026 data
Polish National Credit Union vs Holyoke Credit Union
Metric by metric
| Measure | Polish National Credit Union | Holyoke Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 53 |
| Capital cushion | 86 (stronger) | 42 |
| Loan quality | 94 (stronger) | 53 |
| Earnings | 41 (stronger) | 39 |
| Funding & liquidity | 56 | 76 (stronger) |
| Problem-loan coverage | 98 (stronger) | 79 |
| Peer percentile | 68th | 9th |
| Total assets | $776.9M | $296.4M |
| Deposits / shares | $614.5M | $240.3M |
| Capital ratio | 13.58% (stronger) | 9.16% |
| Problem loans | 0.17% (stronger) | 1.42% |
| Net charge-offs | -0.04% (stronger) | 0.30% |
| Return on assets | 0.52% (stronger) | 0.48% |
| Loans ÷ deposits | 104.4% | 84.6% (stronger) |
| Uninsured deposits | 8.3% | 6.5% (stronger) |
| Offices | 8 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | 24.2% |
Polish National Credit Union has the higher TellerScore (76 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Polish National Credit Union leads on 5 and Holyoke Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.