Side-by-side · Q2 2026 data
Haverhill Bank vs Service Federal Credit Union
Credit union
Service Federal Credit Union
Portsmouth, New Hampshire · $1 billion – $10 billion
Metric by metric
| Measure | Haverhill Bank | Service Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 52 |
| Capital cushion | 62 | 69 (stronger) |
| Loan quality | 95 (stronger) | 13 |
| Earnings | 81 (stronger) | 58 |
| Funding & liquidity | 55 | 65 (stronger) |
| Problem-loan coverage | 98 (stronger) | 64 |
| Peer percentile | 68th | 8th |
| Total assets | $636.8M | $6.7B |
| Deposits / shares | $507.6M | $5.8B |
| Capital ratio | 11.17% | 11.89% (stronger) |
| Problem loans | 0.14% (stronger) | 2.60% |
| Net charge-offs | -0.00% (stronger) | 0.78% |
| Return on assets | 1.53% (stronger) | 0.94% |
| Loans ÷ deposits | 91.7% (stronger) | 94.9% |
| Uninsured deposits | 27.1% | 8.6% (stronger) |
| Offices | 6 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.3% | 30.5% |
Haverhill Bank has the higher TellerScore (77 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Haverhill Bank leads on 5 and Service Federal Credit Union on 2. 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.