Side-by-side · Q2 2026 data
Harvard Federal Credit Union vs St. Anne'S Credit Union
Credit union
Harvard Federal Credit Union
Cambridge, Massachusetts · $1 billion – $10 billion
Metric by metric
| Measure | Harvard Federal Credit Union | St. Anne'S Credit Union |
|---|---|---|
| TellerScore | 49 | 66 (stronger) |
| Capital cushion | 38 | 47 (stronger) |
| Loan quality | 62 | 88 (stronger) |
| Earnings | 31 | 48 (stronger) |
| Funding & liquidity | 51 | 71 (stronger) |
| Problem-loan coverage | 79 | 95 (stronger) |
| Peer percentile | 5th | 44th |
| Total assets | $1.2B | $1.4B |
| Deposits / shares | $922.7M | $1.1B |
| Capital ratio | 8.81% | 9.74% (stronger) |
| Problem loans | 1.13% | 0.35% (stronger) |
| Net charge-offs | 0.44% | 0.16% (stronger) |
| Return on assets | 0.28% | 0.71% (stronger) |
| Loans ÷ deposits | 109.1% | 88.8% (stronger) |
| Uninsured deposits | 10.1% | 8.0% (stronger) |
| Offices | 2 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.8% |
St. Anne'S Credit Union has the higher TellerScore (66 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Harvard Federal Credit Union leads on 0 and St. Anne'S Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.