Side-by-side · Q2 2026 data
Home State Bank, National Association vs Harvard Community Credit Union
Credit union
Harvard Community Credit Union
Harvard, Illinois · Under $100 million in assets
Metric by metric
| Measure | Home State Bank, National Association | Harvard Community Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 51 |
| Capital cushion | 68 (stronger) | 15 |
| Loan quality | 98 | 99 (stronger) |
| Earnings | 81 (stronger) | 0 |
| Funding & liquidity | 71 | 76 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 82nd | 10th |
| Total assets | $776.0M | $21.1M |
| Deposits / shares | $686.6M | $19.7M |
| Capital ratio | 11.79% (stronger) | 6.46% |
| Problem loans | 0.07% | 0.03% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.45% |
| Return on assets | 1.52% (stronger) | -1.06% |
| Loans ÷ deposits | 74.5% (stronger) | 84.2% |
| Uninsured deposits | 28.5% | 13.6% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | — |
Home State Bank, National Association has the higher TellerScore (82 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Home State Bank, National Association leads on 5 and Harvard Community Credit Union on 2. 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.