Side-by-side · Q2 2026 data
Harborlight Credit Union vs Aac Credit Union
Metric by metric
| Measure | Harborlight Credit Union | Aac Credit Union |
|---|---|---|
| TellerScore | 76 | 90 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 88 | 88 |
| Earnings | 62 | 78 (stronger) |
| Funding & liquidity | 87 (stronger) | 85 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 68th | 95th |
| Total assets | $170.1M | $212.4M |
| Deposits / shares | $149.3M | $158.1M |
| Capital ratio | 11.32% | 24.16% (stronger) |
| Problem loans | 0.35% (stronger) | 0.36% |
| Net charge-offs | 0.32% | 0.08% (stronger) |
| Return on assets | 1.06% | 1.46% (stronger) |
| Loans ÷ deposits | 73.2% (stronger) | 75.1% |
| Uninsured deposits | 4.9% (stronger) | 5.3% |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
Aac Credit Union has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Harborlight Credit Union leads on 3 and Aac Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.