Side-by-side · Q2 2026 data
Harvard Federal Credit Union vs Sharon & Crescent United Credit Union
Credit union
Harvard Federal Credit Union
Cambridge, Massachusetts · $1 billion – $10 billion
Credit union
Sharon & Crescent United Credit Union
Sharon, Massachusetts · $1 billion – $10 billion
Metric by metric
| Measure | Harvard Federal Credit Union | Sharon & Crescent United Credit Union |
|---|---|---|
| TellerScore | 49 | 76 (stronger) |
| Capital cushion | 38 | 78 (stronger) |
| Loan quality | 62 | 86 (stronger) |
| Earnings | 31 | 55 (stronger) |
| Funding & liquidity | 51 | 70 (stronger) |
| Problem-loan coverage | 79 | 95 (stronger) |
| Peer percentile | 5th | 79th |
| Total assets | $1.2B | $1.4B |
| Deposits / shares | $922.7M | $1.1B |
| Capital ratio | 8.81% | 12.83% (stronger) |
| Problem loans | 1.13% | 0.43% (stronger) |
| Net charge-offs | 0.44% | 0.05% (stronger) |
| Return on assets | 0.28% | 0.88% (stronger) |
| Loans ÷ deposits | 109.1% | 90.7% (stronger) |
| Uninsured deposits | 10.1% (stronger) | 14.2% |
| Offices | 2 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.2% |
Sharon & Crescent United Credit Union has the higher TellerScore (76 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Harvard Federal Credit Union leads on 1 and Sharon & Crescent United Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.