Side-by-side · Q2 2026 data
Avidia Bank vs Billerica Municipal Employees Credit Union
Credit union
Billerica Municipal Employees Credit Union
Billerica, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Avidia Bank | Billerica Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 67 | 91 (stronger) |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 75 | 100 (stronger) |
| Earnings | 59 (stronger) | 56 |
| Funding & liquidity | 33 | 100 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 44th | 90th |
| Total assets | $2.8B | $23.6M |
| Deposits / shares | $2.2B | $19.2M |
| Capital ratio | 12.37% | 17.76% (stronger) |
| Problem loans | 0.75% | 0.00% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.06% |
| Return on assets | 0.98% (stronger) | 0.89% |
| Loans ÷ deposits | 100.1% | 32.1% (stronger) |
| Uninsured deposits | 39.2% | 2.4% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Billerica Municipal Employees Credit Union has the higher TellerScore (91 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Avidia Bank leads on 2 and Billerica Municipal Employees Credit Union on 5. 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.