Side-by-side · Q2 2026 data
Harborstone Credit Union vs Kitsap Credit Union
Metric by metric
| Measure | Harborstone Credit Union | Kitsap Credit Union |
|---|---|---|
| TellerScore | 52 | 54 (stronger) |
| Capital cushion | 43 (stronger) | 33 |
| Loan quality | 64 | 74 (stronger) |
| Earnings | 22 | 33 (stronger) |
| Funding & liquidity | 67 | 72 (stronger) |
| Problem-loan coverage | 82 (stronger) | 81 |
| Peer percentile | 8th | 11th |
| Total assets | $3.1B | $2.5B |
| Deposits / shares | $2.6B | $2.3B |
| Capital ratio | 9.34% (stronger) | 8.33% |
| Problem loans | 1.08% | 0.79% (stronger) |
| Net charge-offs | 0.84% (stronger) | 1.35% |
| Return on assets | 0.05% | 0.32% (stronger) |
| Loans ÷ deposits | 93.5% | 88.7% (stronger) |
| Uninsured deposits | 12.7% | 8.5% (stronger) |
| Offices | 26 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 29.9% |
Kitsap Credit Union has the higher TellerScore (54 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Harborstone Credit Union leads on 2 and Kitsap Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.