Side-by-side · Q2 2026 data
Haverhill Bank vs St. Mary'S Bank Credit Union
Credit union
St. Mary'S Bank Credit Union
Manchester, New Hampshire · $1 billion – $10 billion
Metric by metric
| Measure | Haverhill Bank | St. Mary'S Bank Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 68 |
| Capital cushion | 62 (stronger) | 50 |
| Loan quality | 95 (stronger) | 90 |
| Earnings | 81 (stronger) | 59 |
| Funding & liquidity | 55 | 58 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 68th | 50th |
| Total assets | $636.8M | $1.8B |
| Deposits / shares | $507.6M | $1.6B |
| Capital ratio | 11.17% (stronger) | 9.96% |
| Problem loans | 0.14% (stronger) | 0.31% |
| Net charge-offs | -0.00% (stronger) | 0.14% |
| Return on assets | 1.53% (stronger) | 0.99% |
| Loans ÷ deposits | 91.7% (stronger) | 100.3% |
| Uninsured deposits | 27.1% | 16.5% (stronger) |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.3% | 24.5% |
Haverhill Bank has the higher TellerScore (77 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Haverhill Bank leads on 6 and St. Mary'S Bank Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.