Side-by-side · Q2 2026 data
Bar Harbor Bank & Trust vs N G M Employees Federal Credit Union
Credit union
N G M Employees Federal Credit Union
Keene, New Hampshire · Under $100 million in assets
Metric by metric
| Measure | Bar Harbor Bank & Trust | N G M Employees Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 57 |
| Capital cushion | 55 (stronger) | 24 |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 77 (stronger) | 0 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 70th | 17th |
| Total assets | $4.7B | $7.5M |
| Deposits / shares | $3.9B | $7.0M |
| Capital ratio | 10.49% (stronger) | 7.41% |
| Problem loans | 0.32% | 0.00% (stronger) |
| Net charge-offs | 0.19% | -1.39% (stronger) |
| Return on assets | 1.42% (stronger) | -0.89% |
| Loans ÷ deposits | 93.0% | 49.1% (stronger) |
| Uninsured deposits | 20.1% | 1.5% (stronger) |
| Offices | 60 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.5% | — |
Bar Harbor Bank & Trust has the higher TellerScore (73 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Bar Harbor Bank & Trust leads on 3 and N G M Employees Federal 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.