Side-by-side · Q2 2026 data
First Federal Savings of Middletown vs Massena Savings and Loan
Metric by metric
| Measure | First Federal Savings of Middletown | Massena Savings and Loan |
|---|---|---|
| TellerScore | 89 (stronger) | 73 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 57 |
| Earnings | 94 (stronger) | 63 |
| Funding & liquidity | 37 | 50 (stronger) |
| Problem-loan coverage | 100 (stronger) | 83 |
| Peer percentile | 94th | 53rd |
| Total assets | $188.0M | $199.9M |
| Deposits / shares | $112.3M | $148.2M |
| Capital ratio | 36.94% (stronger) | 15.15% |
| Problem loans | 0.00% (stronger) | 1.30% |
| Net charge-offs | 0.46% | 0.11% (stronger) |
| Return on assets | 1.86% (stronger) | 1.09% |
| Loans ÷ deposits | 132.6% | 121.7% (stronger) |
| Uninsured deposits | 26.9% | 12.8% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Federal Savings of Middletown has the higher TellerScore (89 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings of Middletown leads on 4 and Massena Savings and Loan on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.