Side-by-side · Q2 2026 data
Sound Credit Union vs Harborstone Credit Union
Metric by metric
| Measure | Sound Credit Union | Harborstone Credit Union |
|---|---|---|
| TellerScore | 63 (stronger) | 52 |
| Capital cushion | 60 (stronger) | 43 |
| Loan quality | 61 | 64 (stronger) |
| Earnings | 58 (stronger) | 22 |
| Funding & liquidity | 67 | 67 |
| Problem-loan coverage | 81 | 82 (stronger) |
| Peer percentile | 33rd | 8th |
| Total assets | $3.4B | $3.1B |
| Deposits / shares | $2.9B | $2.6B |
| Capital ratio | 11.01% (stronger) | 9.34% |
| Problem loans | 1.18% | 1.08% (stronger) |
| Net charge-offs | 0.90% | 0.84% (stronger) |
| Return on assets | 0.94% (stronger) | 0.05% |
| Loans ÷ deposits | 93.7% | 93.5% (stronger) |
| Uninsured deposits | 12.5% (stronger) | 12.7% |
| Offices | 21 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.8% | — |
Sound Credit Union has the higher TellerScore (63 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Sound Credit Union leads on 4 and Harborstone Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.