Side-by-side · Q2 2026 data
SSB Community Bank vs Harvest Federal Credit Union
Metric by metric
| Measure | SSB Community Bank | Harvest Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 84 (stronger) |
| Capital cushion | 24 | 78 (stronger) |
| Loan quality | 95 (stronger) | 90 |
| Earnings | 83 (stronger) | 66 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 34th | 75th |
| Total assets | $296.8M | $43.9M |
| Deposits / shares | $262.3M | $38.1M |
| Capital ratio | 7.36% | 12.80% (stronger) |
| Problem loans | 0.14% (stronger) | 0.30% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.57% (stronger) | 1.16% |
| Loans ÷ deposits | 98.7% | 43.7% (stronger) |
| Uninsured deposits | 11.5% | 2.7% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Harvest Federal Credit Union has the higher TellerScore (84 vs 67). On the 7 directional measures above (where higher or lower is clearly better), SSB Community Bank leads on 3 and Harvest Federal Credit Union on 4. 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.