Side-by-side · Q2 2026 data
Fidelity Personal Trust Company, FSB vs I-C Federal Credit Union
Bank
Fidelity Personal Trust Company, FSB
Merrimack, New Hampshire · Under $100 million in assets
Credit union
I-C Federal Credit Union
Fitchburg, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Fidelity Personal Trust Company, FSB | I-C Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 39 |
| Loan quality | 100 (stronger) | 69 |
| Earnings | 100 (stronger) | 9 |
| Funding & liquidity | 54 | 72 (stronger) |
| Problem-loan coverage | 100 (stronger) | 83 |
| Peer percentile | 94th | 6th |
| Total assets | $74.6M | $583.0M |
| Deposits / shares | $500K | $505.4M |
| Capital ratio | 101.53% (stronger) | 8.92% |
| Problem loans | 0.00% (stronger) | 0.94% |
| Net charge-offs | 0.00% (stronger) | 0.46% |
| Return on assets | 33.31% (stronger) | -0.27% |
| Loans ÷ deposits | 0.0% (stronger) | 88.2% |
| Uninsured deposits | 56.6% | 6.2% (stronger) |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.2% |
Fidelity Personal Trust Company, FSB has the higher TellerScore (93 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Fidelity Personal Trust Company, FSB leads on 6 and I-C Federal Credit Union on 1. 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.