Side-by-side · Q2 2026 data
Alpha Credit Union vs Mass Bay Credit Union
Metric by metric
| Measure | Alpha Credit Union | Mass Bay Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 62 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 95 (stronger) | 70 |
| Earnings | 99 (stronger) | 43 |
| Funding & liquidity | 91 (stronger) | 50 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 98th | 26th |
| Total assets | $35.1M | $366.7M |
| Deposits / shares | $28.2M | $259.6M |
| Capital ratio | 18.78% (stronger) | 11.46% |
| Problem loans | 0.14% (stronger) | 0.89% |
| Net charge-offs | 0.06% | 0.03% (stronger) |
| Return on assets | 1.97% (stronger) | 0.58% |
| Loans ÷ deposits | 69.0% (stronger) | 117.5% |
| Uninsured deposits | 0.9% (stronger) | 9.3% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 41.3% |
Alpha Credit Union has the higher TellerScore (97 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Alpha Credit Union leads on 6 and Mass Bay Credit Union on 1. 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.