Side-by-side · Q2 2026 data
Harvard Federal Credit Union vs Alpha Credit Union
Credit union
Harvard Federal Credit Union
Cambridge, Massachusetts · $1 billion – $10 billion
Metric by metric
| Measure | Harvard Federal Credit Union | Alpha Credit Union |
|---|---|---|
| TellerScore | 49 | 97 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 62 | 95 (stronger) |
| Earnings | 31 | 99 (stronger) |
| Funding & liquidity | 51 | 91 (stronger) |
| Problem-loan coverage | 79 | 99 (stronger) |
| Peer percentile | 5th | 98th |
| Total assets | $1.2B | $35.1M |
| Deposits / shares | $922.7M | $28.2M |
| Capital ratio | 8.81% | 18.78% (stronger) |
| Problem loans | 1.13% | 0.14% (stronger) |
| Net charge-offs | 0.44% | 0.06% (stronger) |
| Return on assets | 0.28% | 1.97% (stronger) |
| Loans ÷ deposits | 109.1% | 69.0% (stronger) |
| Uninsured deposits | 10.1% | 0.9% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alpha Credit Union has the higher TellerScore (97 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Harvard Federal Credit Union leads on 0 and Alpha Credit Union on 7. 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.