Side-by-side · Q2 2026 data
The Harvard State Bank vs First Northern Credit Union
Metric by metric
| Measure | The Harvard State Bank | First Northern Credit Union |
|---|---|---|
| TellerScore | 70 | 78 (stronger) |
| Capital cushion | 38 | 63 (stronger) |
| Loan quality | 91 (stronger) | 76 |
| Earnings | 65 | 97 (stronger) |
| Funding & liquidity | 85 (stronger) | 79 |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 43rd | 74th |
| Total assets | $331.5M | $333.2M |
| Deposits / shares | $294.0M | $288.2M |
| Capital ratio | 8.79% | 11.31% (stronger) |
| Problem loans | 0.26% (stronger) | 0.71% |
| Net charge-offs | 0.00% (stronger) | 0.18% |
| Return on assets | 1.13% | 1.93% (stronger) |
| Loans ÷ deposits | 65.0% (stronger) | 80.9% |
| Uninsured deposits | 24.6% | 4.0% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.4% | 11.9% |
First Northern Credit Union has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Harvard State Bank leads on 3 and First Northern Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.