Side-by-side · Q2 2026 data
Harford Bank vs Thiokol Elkton Federal Credit Union
Credit union
Thiokol Elkton Federal Credit Union
Elkton, Maryland · Under $100 million in assets
Metric by metric
| Measure | Harford Bank | Thiokol Elkton Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 83 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 70 | 95 (stronger) |
| Earnings | 64 (stronger) | 24 |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 22nd | 72nd |
| Total assets | $776.6M | $23.8M |
| Deposits / shares | $692.5M | $19.9M |
| Capital ratio | 9.95% | 18.18% (stronger) |
| Problem loans | 0.91% | 0.16% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.09% (stronger) | 0.11% |
| Loans ÷ deposits | 83.3% | 47.3% (stronger) |
| Uninsured deposits | 31.9% | 1.7% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Thiokol Elkton Federal Credit Union has the higher TellerScore (83 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Harford Bank leads on 1 and Thiokol Elkton Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.