Side-by-side · Q2 2026 data
Htm Credit Union vs Lowell Firefighters Credit Union
Credit union
Lowell Firefighters Credit Union
Lowell, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Htm Credit Union | Lowell Firefighters Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 75 |
| Capital cushion | 88 (stronger) | 63 |
| Loan quality | 96 | 97 (stronger) |
| Earnings | 47 (stronger) | 35 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 75th | 52nd |
| Total assets | $29.6M | $28.3M |
| Deposits / shares | $25.6M | $25.0M |
| Capital ratio | 13.79% (stronger) | 11.27% |
| Problem loans | 0.11% | 0.09% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.67% (stronger) | 0.38% |
| Loans ÷ deposits | 63.1% | 59.8% (stronger) |
| Uninsured deposits | 3.4% (stronger) | 5.7% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Htm Credit Union has the higher TellerScore (84 vs 75). On the 6 directional measures above (where higher or lower is clearly better), Htm Credit Union leads on 4 and Lowell Firefighters Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.