Side-by-side · Q2 2026 data
First Federal Savings and Loan Association vs Harvest Federal Credit Union
Metric by metric
| Measure | First Federal Savings and Loan Association | Harvest Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 84 (stronger) |
| Capital cushion | 92 (stronger) | 78 |
| Loan quality | 57 | 90 (stronger) |
| Earnings | 40 | 66 (stronger) |
| Funding & liquidity | 75 | 100 (stronger) |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 43rd | 75th |
| Total assets | $293.5M | $43.9M |
| Deposits / shares | $250.7M | $38.1M |
| Capital ratio | 14.18% (stronger) | 12.80% |
| Problem loans | 1.28% | 0.30% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.02% |
| Return on assets | 0.50% | 1.16% (stronger) |
| Loans ÷ deposits | 83.7% | 43.7% (stronger) |
| Uninsured deposits | 16.3% | 2.7% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Harvest Federal Credit Union has the higher TellerScore (84 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association leads on 2 and Harvest Federal Credit Union on 5. 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.