Side-by-side · Q2 2026 data
Fidelity Personal Trust Company, FSB vs The Andovers Federal Credit Union
Bank
Fidelity Personal Trust Company, FSB
Merrimack, New Hampshire · Under $100 million in assets
Credit union
The Andovers Federal Credit Union
Andover, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Fidelity Personal Trust Company, FSB | The Andovers Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 100 (stronger) | 78 |
| Earnings | 100 (stronger) | 60 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 94th | 68th |
| Total assets | $74.6M | $36.9M |
| Deposits / shares | $500K | $32.0M |
| Capital ratio | 101.53% (stronger) | 13.21% |
| Problem loans | 0.00% (stronger) | 0.67% |
| Net charge-offs | 0.00% (stronger) | 0.28% |
| Return on assets | 33.31% (stronger) | 1.00% |
| Loans ÷ deposits | 0.0% (stronger) | 23.5% |
| Uninsured deposits | 56.6% | 4.2% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fidelity Personal Trust Company, FSB has the higher TellerScore (93 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Fidelity Personal Trust Company, FSB leads on 6 and The Andovers Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.