Side-by-side · Q2 2026 data
U S Postal Service Federal Credit Union vs Har-Co Credit Union
Credit union
U S Postal Service Federal Credit Union
Clinton, Maryland · $100 million – $1 billion
Metric by metric
| Measure | U S Postal Service Federal Credit Union | Har-Co Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 57 |
| Capital cushion | 57 (stronger) | 47 |
| Loan quality | 76 (stronger) | 52 |
| Earnings | 22 | 46 (stronger) |
| Funding & liquidity | 83 | 85 (stronger) |
| Problem-loan coverage | 91 (stronger) | 80 |
| Peer percentile | 26th | 14th |
| Total assets | $280.3M | $286.4M |
| Deposits / shares | $249.7M | $257.0M |
| Capital ratio | 10.71% (stronger) | 9.74% |
| Problem loans | 0.72% (stronger) | 1.43% |
| Net charge-offs | 0.26% (stronger) | 0.27% |
| Return on assets | 0.05% | 0.64% (stronger) |
| Loans ÷ deposits | 77.0% | 74.8% (stronger) |
| Uninsured deposits | 9.2% | 8.4% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.8% |
U S Postal Service Federal Credit Union has the higher TellerScore (62 vs 57). On the 7 directional measures above (where higher or lower is clearly better), U S Postal Service Federal Credit Union leads on 4 and Har-Co Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.