Side-by-side · Q2 2026 data
NorthEast Community Bank vs Spencer Savings Bank, SLA
Metric by metric
| Measure | NorthEast Community Bank | Spencer Savings Bank, SLA |
|---|---|---|
| TellerScore | 90 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 62 |
| Loan quality | 100 (stronger) | 81 |
| Earnings | 100 (stronger) | 45 |
| Funding & liquidity | 36 (stronger) | 23 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 99th | 24th |
| Total assets | $2.1B | $4.0B |
| Deposits / shares | $1.5B | $3.0B |
| Capital ratio | 17.32% (stronger) | 11.23% |
| Problem loans | 0.00% (stronger) | 0.58% |
| Net charge-offs | 0.06% | 0.02% (stronger) |
| Return on assets | 2.00% (stronger) | 0.63% |
| Loans ÷ deposits | 123.9% | 107.4% (stronger) |
| Uninsured deposits | 28.0% (stronger) | 41.6% |
| Offices | 12 | 28 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.5% | 18.0% |
NorthEast Community Bank has the higher TellerScore (90 vs 61). On the 7 directional measures above (where higher or lower is clearly better), NorthEast Community Bank leads on 5 and Spencer Savings Bank, SLA on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.