Side-by-side · Q2 2026 data
Service Federal Credit Union vs Htm Credit Union
Credit union
Service Federal Credit Union
Portsmouth, New Hampshire · $1 billion – $10 billion
Metric by metric
| Measure | Service Federal Credit Union | Htm Credit Union |
|---|---|---|
| TellerScore | 52 | 84 (stronger) |
| Capital cushion | 69 | 88 (stronger) |
| Loan quality | 13 | 96 (stronger) |
| Earnings | 58 (stronger) | 47 |
| Funding & liquidity | 65 | 97 (stronger) |
| Problem-loan coverage | 64 | 99 (stronger) |
| Peer percentile | 8th | 75th |
| Total assets | $6.7B | $29.6M |
| Deposits / shares | $5.8B | $25.6M |
| Capital ratio | 11.89% | 13.79% (stronger) |
| Problem loans | 2.60% | 0.11% (stronger) |
| Net charge-offs | 0.78% | 0.00% (stronger) |
| Return on assets | 0.94% (stronger) | 0.67% |
| Loans ÷ deposits | 94.9% | 63.1% (stronger) |
| Uninsured deposits | 8.6% | 3.4% (stronger) |
| Offices | 27 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.5% | — |
Htm Credit Union has the higher TellerScore (84 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Service Federal Credit Union leads on 1 and Htm 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.