Side-by-side · Q2 2026 data
The Millyard Bank vs The Andovers Federal Credit Union
Credit union
The Andovers Federal Credit Union
Andover, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | The Millyard Bank | The Andovers Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 81 (stronger) |
| Capital cushion | 47 | 82 (stronger) |
| Loan quality | 72 | 78 (stronger) |
| Earnings | 46 | 60 (stronger) |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 17th | 68th |
| Total assets | $333.2M | $36.9M |
| Deposits / shares | $276.2M | $32.0M |
| Capital ratio | 9.70% | 13.21% (stronger) |
| Problem loans | 0.85% | 0.67% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.28% |
| Return on assets | 0.64% | 1.00% (stronger) |
| Loans ÷ deposits | 94.5% | 23.5% (stronger) |
| Uninsured deposits | 17.8% | 4.2% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Andovers Federal Credit Union has the higher TellerScore (81 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The Millyard Bank leads on 1 and The Andovers Federal 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.