Side-by-side · Q2 2026 data
Bay State Savings Bank vs Leominster Employees Federal Credit Union
Credit union
Leominster Employees Federal Credit Union
Leominster, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Bay State Savings Bank | Leominster Employees Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 80 (stronger) |
| Capital cushion | 38 | 62 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 40 | 56 (stronger) |
| Funding & liquidity | 48 | 100 (stronger) |
| Problem-loan coverage | 92 | 100 (stronger) |
| Peer percentile | 14th | 65th |
| Total assets | $580.3M | $30.0M |
| Deposits / shares | $513.7M | $26.4M |
| Capital ratio | 8.82% | 11.20% (stronger) |
| Problem loans | 0.47% | 0.01% (stronger) |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 0.51% | 0.90% (stronger) |
| Loans ÷ deposits | 94.5% | 53.5% (stronger) |
| Uninsured deposits | 30.5% | 0.3% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.2% | — |
Leominster Employees Federal Credit Union has the higher TellerScore (80 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Bay State Savings Bank leads on 0 and Leominster Employees Federal Credit Union on 7. 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.