Side-by-side · Q2 2026 data
North Shore Federal Credit Union vs Harbor Pointe Credit Union
Metric by metric
| Measure | North Shore Federal Credit Union | Harbor Pointe Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 73 |
| Capital cushion | 78 | 86 (stronger) |
| Loan quality | 89 (stronger) | 56 |
| Earnings | 44 | 78 (stronger) |
| Funding & liquidity | 68 (stronger) | 64 |
| Problem-loan coverage | 96 (stronger) | 84 |
| Peer percentile | 63rd | 60th |
| Total assets | $284.8M | $158.5M |
| Deposits / shares | $246.7M | $136.5M |
| Capital ratio | 12.77% | 13.63% (stronger) |
| Problem loans | 0.33% (stronger) | 1.31% |
| Net charge-offs | 0.06% | 0.04% (stronger) |
| Return on assets | 0.59% | 1.44% (stronger) |
| Loans ÷ deposits | 91.9% (stronger) | 96.0% |
| Uninsured deposits | 5.9% | 2.6% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.3% | 0.9% |
North Shore Federal Credit Union has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), North Shore Federal Credit Union leads on 3 and Harbor Pointe Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.