Side-by-side · Q2 2026 data
Florence Bank vs Athol Credit Union
Metric by metric
| Measure | Florence Bank | Athol Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 42 |
| Capital cushion | 72 (stronger) | 36 |
| Loan quality | 85 (stronger) | 60 |
| Earnings | 49 (stronger) | 8 |
| Funding & liquidity | 79 (stronger) | 50 |
| Problem-loan coverage | 95 (stronger) | 75 |
| Peer percentile | 74th | 4th |
| Total assets | $2.0B | $99.2M |
| Deposits / shares | $1.8B | $77.5M |
| Capital ratio | 12.23% (stronger) | 8.61% |
| Problem loans | 0.46% (stronger) | 1.20% |
| Net charge-offs | 0.01% (stronger) | 0.07% |
| Return on assets | 0.72% (stronger) | -0.30% |
| Loans ÷ deposits | 71.0% (stronger) | 112.4% |
| Uninsured deposits | 24.6% | 11.0% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 4.7% |
Florence Bank has the higher TellerScore (74 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Florence Bank leads on 6 and Athol 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.