Side-by-side · Q2 2026 data
OneUnited Bank vs Haverhill Bank
Metric by metric
| Measure | OneUnited Bank | Haverhill Bank |
|---|---|---|
| TellerScore | 59 | 77 (stronger) |
| Capital cushion | 54 | 62 (stronger) |
| Loan quality | 86 | 95 (stronger) |
| Earnings | 0 | 81 (stronger) |
| Funding & liquidity | 80 (stronger) | 55 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 17th | 68th |
| Total assets | $637.9M | $636.8M |
| Deposits / shares | $511.7M | $507.6M |
| Capital ratio | 10.43% | 11.17% (stronger) |
| Problem loans | 0.42% | 0.14% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | -0.80% | 1.53% (stronger) |
| Loans ÷ deposits | 79.7% (stronger) | 91.7% |
| Uninsured deposits | 15.5% (stronger) | 27.1% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.3% |
Haverhill Bank has the higher TellerScore (77 vs 59). On the 7 directional measures above (where higher or lower is clearly better), OneUnited Bank leads on 2 and Haverhill Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.