Side-by-side · Q2 2026 data
Family Financial Credit Union vs Harborlight Credit Union
Credit union
Family Financial Credit Union
Norton Shores, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Family Financial Credit Union | Harborlight Credit Union |
|---|---|---|
| TellerScore | 66 | 76 (stronger) |
| Capital cushion | 61 | 63 (stronger) |
| Loan quality | 70 | 88 (stronger) |
| Earnings | 30 | 62 (stronger) |
| Funding & liquidity | 98 (stronger) | 87 |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 37th | 68th |
| Total assets | $175.6M | $170.1M |
| Deposits / shares | $154.4M | $149.3M |
| Capital ratio | 11.06% | 11.32% (stronger) |
| Problem loans | 0.89% | 0.35% (stronger) |
| Net charge-offs | 0.30% (stronger) | 0.32% |
| Return on assets | 0.25% | 1.06% (stronger) |
| Loans ÷ deposits | 62.1% (stronger) | 73.2% |
| Uninsured deposits | 4.7% (stronger) | 4.9% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.9% | — |
Harborlight Credit Union has the higher TellerScore (76 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Family Financial Credit Union leads on 3 and Harborlight Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.