Side-by-side · Q2 2026 data
Haverhill Fire Department Credit Union vs Htm Credit Union
Credit union
Haverhill Fire Department Credit Union
Haverhill, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Haverhill Fire Department Credit Union | Htm Credit Union |
|---|---|---|
| TellerScore | 71 | 84 (stronger) |
| Capital cushion | 46 | 88 (stronger) |
| Loan quality | 99 (stronger) | 96 |
| Earnings | 40 | 47 (stronger) |
| Funding & liquidity | 96 | 97 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 42nd | 75th |
| Total assets | $27.7M | $29.6M |
| Deposits / shares | $25.0M | $25.6M |
| Capital ratio | 9.58% | 13.79% (stronger) |
| Problem loans | 0.02% (stronger) | 0.11% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.50% | 0.67% (stronger) |
| Loans ÷ deposits | 64.2% | 63.1% (stronger) |
| Uninsured deposits | 9.3% | 3.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Htm Credit Union has the higher TellerScore (84 vs 71). On the 6 directional measures above (where higher or lower is clearly better), Haverhill Fire Department Credit Union leads on 1 and Htm Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.