Side-by-side · Q2 2026 data
Harvard Community Credit Union vs First Northern Credit Union
Credit union
Harvard Community Credit Union
Harvard, Illinois · Under $100 million in assets
Metric by metric
| Measure | Harvard Community Credit Union | First Northern Credit Union |
|---|---|---|
| TellerScore | 51 | 78 (stronger) |
| Capital cushion | 15 | 63 (stronger) |
| Loan quality | 99 (stronger) | 76 |
| Earnings | 0 | 97 (stronger) |
| Funding & liquidity | 76 | 79 (stronger) |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 10th | 74th |
| Total assets | $21.1M | $333.2M |
| Deposits / shares | $19.7M | $288.2M |
| Capital ratio | 6.46% | 11.31% (stronger) |
| Problem loans | 0.03% (stronger) | 0.71% |
| Net charge-offs | 0.45% | 0.18% (stronger) |
| Return on assets | -1.06% | 1.93% (stronger) |
| Loans ÷ deposits | 84.2% | 80.9% (stronger) |
| Uninsured deposits | 13.6% | 4.0% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.9% |
First Northern Credit Union has the higher TellerScore (78 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Harvard Community Credit Union leads on 1 and First Northern 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.