Side-by-side · Q2 2026 data
Skypoint Federal Credit Union vs Har-Co Credit Union
Metric by metric
| Measure | Skypoint Federal Credit Union | Har-Co Credit Union |
|---|---|---|
| TellerScore | 60 (stronger) | 57 |
| Capital cushion | 74 (stronger) | 47 |
| Loan quality | 46 | 52 (stronger) |
| Earnings | 43 | 46 (stronger) |
| Funding & liquidity | 62 | 85 (stronger) |
| Problem-loan coverage | 80 | 80 |
| Peer percentile | 21st | 14th |
| Total assets | $242.8M | $286.4M |
| Deposits / shares | $190.5M | $257.0M |
| Capital ratio | 12.37% (stronger) | 9.74% |
| Problem loans | 1.61% | 1.43% (stronger) |
| Net charge-offs | 0.53% | 0.27% (stronger) |
| Return on assets | 0.57% | 0.64% (stronger) |
| Loans ÷ deposits | 98.0% | 74.8% (stronger) |
| Uninsured deposits | 6.3% (stronger) | 8.4% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 42.3% | 4.8% |
Skypoint Federal Credit Union has the higher TellerScore (60 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Skypoint Federal Credit Union leads on 3 and Har-Co Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.