Side-by-side · Q2 2026 data
Service Federal Credit Union vs Lighthouse Federal Credit Union
Credit union
Service Federal Credit Union
Portsmouth, New Hampshire · $1 billion – $10 billion
Metric by metric
| Measure | Service Federal Credit Union | Lighthouse Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 65 (stronger) |
| Capital cushion | 69 (stronger) | 52 |
| Loan quality | 13 | 87 (stronger) |
| Earnings | 58 (stronger) | 51 |
| Funding & liquidity | 65 (stronger) | 57 |
| Problem-loan coverage | 64 | 93 (stronger) |
| Peer percentile | 8th | 41st |
| Total assets | $6.7B | $2.2B |
| Deposits / shares | $5.8B | $1.9B |
| Capital ratio | 11.89% (stronger) | 10.15% |
| Problem loans | 2.60% | 0.38% (stronger) |
| Net charge-offs | 0.78% | 0.54% (stronger) |
| Return on assets | 0.94% (stronger) | 0.78% |
| Loans ÷ deposits | 94.9% (stronger) | 103.6% |
| Uninsured deposits | 8.6% | 0.5% (stronger) |
| Offices | 27 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.5% | 36.3% |
Lighthouse Federal Credit Union has the higher TellerScore (65 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Service Federal Credit Union leads on 3 and Lighthouse Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.