Side-by-side · Q2 2026 data
Harbor Pointe Credit Union vs Duluth Police Department Employees Credit Union
Credit union
Duluth Police Department Employees Credit Union
Duluth, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Harbor Pointe Credit Union | Duluth Police Department Employees Credit Union |
|---|---|---|
| TellerScore | 73 | 91 (stronger) |
| Capital cushion | 86 | 100 (stronger) |
| Loan quality | 56 | 86 (stronger) |
| Earnings | 78 | 80 (stronger) |
| Funding & liquidity | 64 | 93 (stronger) |
| Problem-loan coverage | 84 | 98 (stronger) |
| Peer percentile | 60th | 90th |
| Total assets | $158.5M | $7.8M |
| Deposits / shares | $136.5M | $6.0M |
| Capital ratio | 13.63% | 22.84% (stronger) |
| Problem loans | 1.31% | 0.41% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.44% | 1.49% (stronger) |
| Loans ÷ deposits | 96.0% | 67.5% (stronger) |
| Uninsured deposits | 2.6% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | — |
Duluth Police Department Employees Credit Union has the higher TellerScore (91 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Harbor Pointe Credit Union leads on 0 and Duluth Police Department Employees Credit Union on 7. 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.