Side-by-side · Q2 2026 data
Harvest Federal Credit Union vs Minerva Area Federal Credit Union
Credit union
Minerva Area Federal Credit Union
Minerva, Ohio · Under $100 million in assets
Metric by metric
| Measure | Harvest Federal Credit Union | Minerva Area Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 93 (stronger) |
| Capital cushion | 78 | 100 (stronger) |
| Loan quality | 90 | 95 (stronger) |
| Earnings | 66 | 73 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 75th | 94th |
| Total assets | $43.9M | $17.9M |
| Deposits / shares | $38.1M | $15.1M |
| Capital ratio | 12.80% | 15.08% (stronger) |
| Problem loans | 0.30% | 0.14% (stronger) |
| Net charge-offs | 0.02% (stronger) | 2.54% |
| Return on assets | 1.16% | 1.33% (stronger) |
| Loans ÷ deposits | 43.7% (stronger) | 50.9% |
| Uninsured deposits | 2.7% | 0.6% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Minerva Area Federal Credit Union has the higher TellerScore (93 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Harvest Federal Credit Union leads on 2 and Minerva Area Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.