Side-by-side · Q2 2026 data
First Shore Federal Savings and Loan Association vs Tidemark Federal Credit Union
Bank
First Shore Federal Savings and Loan Association
Salisbury, Maryland · $100 million – $1 billion
Metric by metric
| Measure | First Shore Federal Savings and Loan Association | Tidemark Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 83 (stronger) |
| Capital cushion | 100 (stronger) | 94 |
| Loan quality | 73 | 89 (stronger) |
| Earnings | 51 (stronger) | 40 |
| Funding & liquidity | 67 | 98 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 72nd | 83rd |
| Total assets | $366.5M | $468.5M |
| Deposits / shares | $303.4M | $405.0M |
| Capital ratio | 17.39% (stronger) | 14.37% |
| Problem loans | 0.82% | 0.33% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.29% |
| Return on assets | 0.77% (stronger) | 0.51% |
| Loans ÷ deposits | 93.4% | 62.5% (stronger) |
| Uninsured deposits | 12.3% | 8.5% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 24.7% |
Tidemark Federal Credit Union has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First Shore Federal Savings and Loan Association leads on 3 and Tidemark Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.