Side-by-side · Q2 2026 data
Adelphi Bank vs First Service Federal Credit Union
Metric by metric
| Measure | Adelphi Bank | First Service Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 52 |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 25 | 47 (stronger) |
| Funding & liquidity | 64 | 90 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 77th | 57th |
| Total assets | $124.5M | $236.3M |
| Deposits / shares | $104.2M | $210.8M |
| Capital ratio | 15.82% (stronger) | 10.16% |
| Problem loans | 0.00% (stronger) | 0.12% |
| Net charge-offs | 0.00% (stronger) | 0.27% |
| Return on assets | 0.13% | 0.68% (stronger) |
| Loans ÷ deposits | 93.2% | 70.7% (stronger) |
| Uninsured deposits | 18.3% | 10.8% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.4% |
Adelphi Bank has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Adelphi Bank leads on 4 and First Service Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.