Side-by-side · Q2 2026 data
Harbor Pointe Credit Union vs Centricity Credit Union
Metric by metric
| Measure | Harbor Pointe Credit Union | Centricity Credit Union |
|---|---|---|
| TellerScore | 73 | 85 (stronger) |
| Capital cushion | 86 | 90 (stronger) |
| Loan quality | 56 | 74 (stronger) |
| Earnings | 78 | 100 (stronger) |
| Funding & liquidity | 64 | 70 (stronger) |
| Problem-loan coverage | 84 | 91 (stronger) |
| Peer percentile | 60th | 87th |
| Total assets | $158.5M | $340.5M |
| Deposits / shares | $136.5M | $277.4M |
| Capital ratio | 13.63% | 13.97% (stronger) |
| Problem loans | 1.31% | 0.79% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.46% |
| Return on assets | 1.44% | 2.13% (stronger) |
| Loans ÷ deposits | 96.0% | 90.6% (stronger) |
| Uninsured deposits | 2.6% (stronger) | 4.6% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | 13.0% |
Centricity Credit Union has the higher TellerScore (85 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Harbor Pointe Credit Union leads on 2 and Centricity Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.