Side-by-side · Q2 2026 data
Harvard Federal Credit Union vs St. Mary'S Credit Union
Credit union
Harvard Federal Credit Union
Cambridge, Massachusetts · $1 billion – $10 billion
Metric by metric
| Measure | Harvard Federal Credit Union | St. Mary'S Credit Union |
|---|---|---|
| TellerScore | 49 | 71 (stronger) |
| Capital cushion | 38 | 67 (stronger) |
| Loan quality | 62 | 97 (stronger) |
| Earnings | 31 (stronger) | 30 |
| Funding & liquidity | 51 | 72 (stronger) |
| Problem-loan coverage | 79 | 99 (stronger) |
| Peer percentile | 5th | 62nd |
| Total assets | $1.2B | $1.0B |
| Deposits / shares | $922.7M | $854.9M |
| Capital ratio | 8.81% | 11.69% (stronger) |
| Problem loans | 1.13% | 0.08% (stronger) |
| Net charge-offs | 0.44% | 0.07% (stronger) |
| Return on assets | 0.28% (stronger) | 0.25% |
| Loans ÷ deposits | 109.1% | 88.5% (stronger) |
| Uninsured deposits | 10.1% (stronger) | 14.8% |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.4% |
St. Mary'S Credit Union has the higher TellerScore (71 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Harvard Federal Credit Union leads on 2 and St. Mary'S Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.