Side-by-side · Q2 2026 data
Leominster Employees Federal Credit Union vs Htm Credit Union
Credit union
Leominster Employees Federal Credit Union
Leominster, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Leominster Employees Federal Credit Union | Htm Credit Union |
|---|---|---|
| TellerScore | 80 | 84 (stronger) |
| Capital cushion | 62 | 88 (stronger) |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 56 (stronger) | 47 |
| Funding & liquidity | 100 (stronger) | 97 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 65th | 75th |
| Total assets | $30.0M | $29.6M |
| Deposits / shares | $26.4M | $25.6M |
| Capital ratio | 11.20% | 13.79% (stronger) |
| Problem loans | 0.01% (stronger) | 0.11% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.90% (stronger) | 0.67% |
| Loans ÷ deposits | 53.5% (stronger) | 63.1% |
| Uninsured deposits | 0.3% (stronger) | 3.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Htm Credit Union has the higher TellerScore (84 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Leominster Employees Federal Credit Union leads on 5 and Htm Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.