Side-by-side · Q2 2026 data
Fidelity Personal Trust Company, FSB vs St. Mary'S Bank Credit Union
Bank
Fidelity Personal Trust Company, FSB
Merrimack, New Hampshire · Under $100 million in assets
Credit union
St. Mary'S Bank Credit Union
Manchester, New Hampshire · $1 billion – $10 billion
Metric by metric
| Measure | Fidelity Personal Trust Company, FSB | St. Mary'S Bank Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 50 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 100 (stronger) | 59 |
| Funding & liquidity | 54 | 58 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 94th | 50th |
| Total assets | $74.6M | $1.8B |
| Deposits / shares | $500K | $1.6B |
| Capital ratio | 101.53% (stronger) | 9.96% |
| Problem loans | 0.00% (stronger) | 0.31% |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 33.31% (stronger) | 0.99% |
| Loans ÷ deposits | 0.0% (stronger) | 100.3% |
| Uninsured deposits | 56.6% | 16.5% (stronger) |
| Offices | 1 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 24.5% |
Fidelity Personal Trust Company, FSB has the higher TellerScore (93 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Fidelity Personal Trust Company, FSB leads on 6 and St. Mary'S Bank 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.