Side-by-side · Q2 2026 data
North Valley Bank vs Harvest Federal Credit Union
Metric by metric
| Measure | North Valley Bank | Harvest Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 84 (stronger) |
| Capital cushion | 51 | 78 (stronger) |
| Loan quality | 77 | 90 (stronger) |
| Earnings | 62 | 66 (stronger) |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 29th | 75th |
| Total assets | $426.9M | $43.9M |
| Deposits / shares | $374.9M | $38.1M |
| Capital ratio | 10.05% | 12.80% (stronger) |
| Problem loans | 0.68% | 0.30% (stronger) |
| Net charge-offs | 0.05% | 0.02% (stronger) |
| Return on assets | 1.04% | 1.16% (stronger) |
| Loans ÷ deposits | 86.4% | 43.7% (stronger) |
| Uninsured deposits | 26.0% | 2.7% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.9% | — |
Harvest Federal Credit Union has the higher TellerScore (84 vs 65). On the 7 directional measures above (where higher or lower is clearly better), North Valley Bank leads on 0 and Harvest Federal Credit Union on 7. 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.