Side-by-side · Q2 2026 data
Harrison Teachers Federal Credit Union vs St. John United Federal Credit Union
Credit union
Harrison Teachers Federal Credit Union
Harrison, New York · Under $100 million in assets
Credit union
St. John United Federal Credit Union
Buffalo, New York · Under $100 million in assets
Metric by metric
| Measure | Harrison Teachers Federal Credit Union | St. John United Federal Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 41 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 0 | 0 |
| Earnings | 61 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 74 | 86 (stronger) |
| Peer percentile | 30th | 3rd |
| Total assets | $1.0M | $1.1M |
| Deposits / shares | $819K | $988K |
| Capital ratio | 18.30% (stronger) | 10.83% |
| Problem loans | 8.92% | 4.62% (stronger) |
| Net charge-offs | -0.03% (stronger) | 3.32% |
| Return on assets | 1.02% (stronger) | -0.82% |
| Loans ÷ deposits | 35.4% | 21.8% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Harrison Teachers Federal Credit Union has the higher TellerScore (65 vs 41). On the 6 directional measures above (where higher or lower is clearly better), Harrison Teachers Federal Credit Union leads on 4 and St. John United Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.