Side-by-side · Q2 2026 data
Machias Savings Bank vs Granite State Credit Union
Metric by metric
| Measure | Machias Savings Bank | Granite State Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 70 |
| Capital cushion | 71 (stronger) | 49 |
| Loan quality | 87 (stronger) | 84 |
| Earnings | 59 | 64 (stronger) |
| Funding & liquidity | 61 | 82 (stronger) |
| Problem-loan coverage | 94 (stronger) | 93 |
| Peer percentile | 70th | 51st |
| Total assets | $2.7B | $749.5M |
| Deposits / shares | $2.3B | $670.3M |
| Capital ratio | 12.12% (stronger) | 9.88% |
| Problem loans | 0.40% (stronger) | 0.49% |
| Net charge-offs | 0.04% (stronger) | 0.40% |
| Return on assets | 0.99% | 1.11% (stronger) |
| Loans ÷ deposits | 98.2% | 78.6% (stronger) |
| Uninsured deposits | 16.4% | 5.2% (stronger) |
| Offices | 16 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.7% | 10.6% |
Machias Savings Bank has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Machias Savings Bank leads on 4 and Granite State Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.