Side-by-side · Q2 2026 data
Signal Financial Federal Credit Union vs Har-Co Credit Union
Credit union
Signal Financial Federal Credit Union
Kensington, Maryland · $100 million – $1 billion
Metric by metric
| Measure | Signal Financial Federal Credit Union | Har-Co Credit Union |
|---|---|---|
| TellerScore | 56 | 57 (stronger) |
| Capital cushion | 43 | 47 (stronger) |
| Loan quality | 82 (stronger) | 52 |
| Earnings | 14 | 46 (stronger) |
| Funding & liquidity | 70 | 85 (stronger) |
| Problem-loan coverage | 91 (stronger) | 80 |
| Peer percentile | 13th | 14th |
| Total assets | $363.9M | $286.4M |
| Deposits / shares | $325.0M | $257.0M |
| Capital ratio | 9.34% | 9.74% (stronger) |
| Problem loans | 0.53% (stronger) | 1.43% |
| Net charge-offs | 0.30% | 0.27% (stronger) |
| Return on assets | -0.14% | 0.64% (stronger) |
| Loans ÷ deposits | 89.8% | 74.8% (stronger) |
| Uninsured deposits | 9.0% | 8.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.8% |
Har-Co Credit Union has the higher TellerScore (57 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Signal Financial Federal Credit Union leads on 1 and Har-Co Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.