Side-by-side · Q2 2026 data
Harborstone Credit Union vs Hapo Community Credit Union
Metric by metric
| Measure | Harborstone Credit Union | Hapo Community Credit Union |
|---|---|---|
| TellerScore | 52 | 80 (stronger) |
| Capital cushion | 43 | 62 (stronger) |
| Loan quality | 64 | 94 (stronger) |
| Earnings | 22 | 82 (stronger) |
| Funding & liquidity | 67 | 76 (stronger) |
| Problem-loan coverage | 82 | 97 (stronger) |
| Peer percentile | 8th | 88th |
| Total assets | $3.1B | $3.0B |
| Deposits / shares | $2.6B | $2.6B |
| Capital ratio | 9.34% | 11.20% (stronger) |
| Problem loans | 1.08% | 0.18% (stronger) |
| Net charge-offs | 0.84% | 0.51% (stronger) |
| Return on assets | 0.05% | 1.56% (stronger) |
| Loans ÷ deposits | 93.5% | 83.8% (stronger) |
| Uninsured deposits | 12.7% (stronger) | 14.6% |
| Offices | 26 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 25.8% |
Hapo Community Credit Union has the higher TellerScore (80 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Harborstone Credit Union leads on 1 and Hapo Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.