Side-by-side · Q2 2026 data
Machias Savings Bank vs New Hampshire Federal Credit Union
Credit union
New Hampshire Federal Credit Union
Concord, New Hampshire · $100 million – $1 billion
Metric by metric
| Measure | Machias Savings Bank | New Hampshire Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 85 (stronger) |
| Capital cushion | 71 | 88 (stronger) |
| Loan quality | 87 | 98 (stronger) |
| Earnings | 59 | 68 (stronger) |
| Funding & liquidity | 61 | 69 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 70th | 87th |
| Total assets | $2.7B | $331.6M |
| Deposits / shares | $2.3B | $275.3M |
| Capital ratio | 12.12% | 13.81% (stronger) |
| Problem loans | 0.40% | 0.07% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.12% |
| Return on assets | 0.99% | 1.19% (stronger) |
| Loans ÷ deposits | 98.2% | 91.3% (stronger) |
| Uninsured deposits | 16.4% | 11.6% (stronger) |
| Offices | 16 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.7% | — |
New Hampshire Federal Credit Union has the higher TellerScore (85 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Machias Savings Bank leads on 1 and New Hampshire Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.