Side-by-side · Q2 2026 data
Service Federal Credit Union vs St. Mary'S Bank Credit Union
Credit union
Service Federal Credit Union
Portsmouth, New Hampshire · $1 billion – $10 billion
Credit union
St. Mary'S Bank Credit Union
Manchester, New Hampshire · $1 billion – $10 billion
Metric by metric
| Measure | Service Federal Credit Union | St. Mary'S Bank Credit Union |
|---|---|---|
| TellerScore | 52 | 68 (stronger) |
| Capital cushion | 69 (stronger) | 50 |
| Loan quality | 13 | 90 (stronger) |
| Earnings | 58 | 59 (stronger) |
| Funding & liquidity | 65 (stronger) | 58 |
| Problem-loan coverage | 64 | 95 (stronger) |
| Peer percentile | 8th | 50th |
| Total assets | $6.7B | $1.8B |
| Deposits / shares | $5.8B | $1.6B |
| Capital ratio | 11.89% (stronger) | 9.96% |
| Problem loans | 2.60% | 0.31% (stronger) |
| Net charge-offs | 0.78% | 0.14% (stronger) |
| Return on assets | 0.94% | 0.99% (stronger) |
| Loans ÷ deposits | 94.9% (stronger) | 100.3% |
| Uninsured deposits | 8.6% (stronger) | 16.5% |
| Offices | 27 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 30.5% | 24.5% |
St. Mary'S Bank Credit Union has the higher TellerScore (68 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Service Federal Credit Union leads on 3 and St. Mary'S Bank Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Manchester, NH
- Hudson, NH
- Nashua, NH