Side-by-side · Q2 2026 data
Merrimack County Savings Bank vs New Hampshire Postal Credit Union
Credit union
New Hampshire Postal Credit Union
Manchester, New Hampshire · Under $100 million in assets
Metric by metric
| Measure | Merrimack County Savings Bank | New Hampshire Postal Credit Union |
|---|---|---|
| TellerScore | 60 | 100 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 79 | 99 (stronger) |
| Earnings | 39 | 100 (stronger) |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 21st | 100th |
| Total assets | $1.4B | $68.5M |
| Deposits / shares | $1.2B | $52.8M |
| Capital ratio | 9.76% | 22.59% (stronger) |
| Problem loans | 0.64% | 0.03% (stronger) |
| Net charge-offs | 0.18% (stronger) | 0.21% |
| Return on assets | 0.47% | 1.99% (stronger) |
| Loans ÷ deposits | 100.6% | 26.2% (stronger) |
| Uninsured deposits | 15.1% | 6.9% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.1% | — |
New Hampshire Postal Credit Union has the higher TellerScore (100 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Merrimack County Savings Bank leads on 1 and New Hampshire Postal 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.