Side-by-side · Q2 2026 data
Harvard Community Credit Union vs Kone Employees Credit Union
Credit union
Harvard Community Credit Union
Harvard, Illinois · Under $100 million in assets
Metric by metric
| Measure | Harvard Community Credit Union | Kone Employees Credit Union |
|---|---|---|
| TellerScore | 51 | 94 (stronger) |
| Capital cushion | 15 | 100 (stronger) |
| Loan quality | 99 (stronger) | 82 |
| Earnings | 0 | 97 (stronger) |
| Funding & liquidity | 76 | 96 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 10th | 95th |
| Total assets | $21.1M | $20.7M |
| Deposits / shares | $19.7M | $17.1M |
| Capital ratio | 6.46% | 17.47% (stronger) |
| Problem loans | 0.03% (stronger) | 0.55% |
| Net charge-offs | 0.45% | 0.39% (stronger) |
| Return on assets | -1.06% | 1.93% (stronger) |
| Loans ÷ deposits | 84.2% | 63.8% (stronger) |
| Uninsured deposits | 13.6% | 3.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kone Employees Credit Union has the higher TellerScore (94 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Harvard Community Credit Union leads on 1 and Kone Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.