Side-by-side · Q2 2026 data
The Harvard State Bank vs Educators Credit Union
Metric by metric
| Measure | The Harvard State Bank | Educators Credit Union |
|---|---|---|
| TellerScore | 70 | 81 (stronger) |
| Capital cushion | 38 | 89 (stronger) |
| Loan quality | 91 (stronger) | 68 |
| Earnings | 65 | 76 (stronger) |
| Funding & liquidity | 85 (stronger) | 84 |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 43rd | 89th |
| Total assets | $331.5M | $4.0B |
| Deposits / shares | $294.0M | $3.3B |
| Capital ratio | 8.79% | 13.92% (stronger) |
| Problem loans | 0.26% (stronger) | 0.97% |
| Net charge-offs | 0.00% (stronger) | 0.42% |
| Return on assets | 1.13% | 1.39% (stronger) |
| Loans ÷ deposits | 65.0% (stronger) | 76.6% |
| Uninsured deposits | 24.6% | 1.3% (stronger) |
| Offices | 5 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.4% | — |
Educators Credit Union has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Harvard State Bank leads on 3 and Educators 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.