Side-by-side · Q2 2026 data
Mascoma Bank vs Service Federal Credit Union
Credit union
Service Federal Credit Union
Portsmouth, New Hampshire · $1 billion – $10 billion
Metric by metric
| Measure | Mascoma Bank | Service Federal Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 52 |
| Capital cushion | 41 | 69 (stronger) |
| Loan quality | 95 (stronger) | 13 |
| Earnings | 40 | 58 (stronger) |
| Funding & liquidity | 65 | 65 |
| Problem-loan coverage | 97 (stronger) | 64 |
| Peer percentile | 33rd | 8th |
| Total assets | $3.0B | $6.7B |
| Deposits / shares | $2.6B | $5.8B |
| Capital ratio | 9.09% | 11.89% (stronger) |
| Problem loans | 0.15% (stronger) | 2.60% |
| Net charge-offs | 0.01% (stronger) | 0.78% |
| Return on assets | 0.50% | 0.94% (stronger) |
| Loans ÷ deposits | 95.1% | 94.9% (stronger) |
| Uninsured deposits | 13.6% | 8.6% (stronger) |
| Offices | 26 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 30.5% |
Mascoma Bank has the higher TellerScore (64 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Mascoma Bank leads on 3 and Service Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Keene, NH
- Lebanon, NH