Side-by-side · Q2 2026 data
Port City Federal Credit Union vs Harborlight Credit Union
Metric by metric
| Measure | Port City Federal Credit Union | Harborlight Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 76 |
| Capital cushion | 71 (stronger) | 63 |
| Loan quality | 99 (stronger) | 88 |
| Earnings | 45 | 62 (stronger) |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 65th | 68th |
| Total assets | $42.1M | $170.1M |
| Deposits / shares | $36.8M | $149.3M |
| Capital ratio | 12.13% (stronger) | 11.32% |
| Problem loans | 0.04% (stronger) | 0.35% |
| Net charge-offs | -0.04% (stronger) | 0.32% |
| Return on assets | 0.63% | 1.06% (stronger) |
| Loans ÷ deposits | 40.0% (stronger) | 73.2% |
| Uninsured deposits | 4.0% (stronger) | 4.9% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Port City Federal Credit Union has the higher TellerScore (80 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Port City Federal Credit Union leads on 6 and Harborlight Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.