Side-by-side · Q2 2026 data
Cape Ann Savings Bank vs Htm Credit Union
Metric by metric
| Measure | Cape Ann Savings Bank | Htm Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 84 |
| Capital cushion | 100 (stronger) | 88 |
| Loan quality | 80 | 96 (stronger) |
| Earnings | 89 (stronger) | 47 |
| Funding & liquidity | 60 | 97 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 97th | 75th |
| Total assets | $1.1B | $29.6M |
| Deposits / shares | $804.8M | $25.6M |
| Capital ratio | 20.48% (stronger) | 13.79% |
| Problem loans | 0.59% | 0.11% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.72% (stronger) | 0.67% |
| Loans ÷ deposits | 90.7% | 63.1% (stronger) |
| Uninsured deposits | 23.4% | 3.4% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cape Ann Savings Bank has the higher TellerScore (86 vs 84). On the 6 directional measures above (where higher or lower is clearly better), Cape Ann Savings Bank leads on 3 and Htm Credit Union on 3. 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.