Side-by-side · Q2 2026 data
The Shelby State Bank vs Harborlight Credit Union
Metric by metric
| Measure | The Shelby State Bank | Harborlight Credit Union |
|---|---|---|
| TellerScore | 73 | 76 (stronger) |
| Capital cushion | 41 | 63 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 56 | 62 (stronger) |
| Funding & liquidity | 95 (stronger) | 87 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 53rd | 68th |
| Total assets | $397.0M | $170.1M |
| Deposits / shares | $339.5M | $149.3M |
| Capital ratio | 9.06% | 11.32% (stronger) |
| Problem loans | 0.01% (stronger) | 0.35% |
| Net charge-offs | 0.03% (stronger) | 0.32% |
| Return on assets | 0.90% | 1.06% (stronger) |
| Loans ÷ deposits | 63.6% (stronger) | 73.2% |
| Uninsured deposits | 16.4% | 4.9% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | — |
Harborlight Credit Union has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Shelby State Bank leads on 3 and Harborlight Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.