Side-by-side · Q2 2026 data
Harborlight Credit Union vs H.P.C. Credit Union
Metric by metric
| Measure | Harborlight Credit Union | H.P.C. Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 68 |
| Capital cushion | 63 | 86 (stronger) |
| Loan quality | 88 (stronger) | 38 |
| Earnings | 62 (stronger) | 52 |
| Funding & liquidity | 87 | 92 (stronger) |
| Problem-loan coverage | 96 (stronger) | 83 |
| Peer percentile | 68th | 45th |
| Total assets | $170.1M | $171.9M |
| Deposits / shares | $149.3M | $148.0M |
| Capital ratio | 11.32% | 13.63% (stronger) |
| Problem loans | 0.35% (stronger) | 1.86% |
| Net charge-offs | 0.32% | 0.27% (stronger) |
| Return on assets | 1.06% (stronger) | 0.81% |
| Loans ÷ deposits | 73.2% | 68.0% (stronger) |
| Uninsured deposits | 4.9% (stronger) | 9.2% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Harborlight Credit Union has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Harborlight Credit Union leads on 4 and H.P.C. Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.