Side-by-side · Q2 2026 data
Harbor Pointe Credit Union vs Minnesota Power Employees Credit Union
Credit union
Minnesota Power Employees Credit Union
Duluth, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Harbor Pointe Credit Union | Minnesota Power Employees Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 72 |
| Capital cushion | 86 | 97 (stronger) |
| Loan quality | 56 (stronger) | 36 |
| Earnings | 78 (stronger) | 74 |
| Funding & liquidity | 64 | 75 (stronger) |
| Problem-loan coverage | 84 (stronger) | 81 |
| Peer percentile | 60th | 57th |
| Total assets | $158.5M | $161.9M |
| Deposits / shares | $136.5M | $135.9M |
| Capital ratio | 13.63% | 14.66% (stronger) |
| Problem loans | 1.31% (stronger) | 1.92% |
| Net charge-offs | 0.04% (stronger) | 0.04% |
| Return on assets | 1.44% (stronger) | 1.34% |
| Loans ÷ deposits | 96.0% | 85.3% (stronger) |
| Uninsured deposits | 2.6% (stronger) | 7.2% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | — |
Harbor Pointe Credit Union has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Harbor Pointe Credit Union leads on 5 and Minnesota Power Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.