Side-by-side · Q2 2026 data
Beacon Bank and Trust vs Cambridge Municipal Employees Federal Credit Union
Credit union
Cambridge Municipal Employees Federal Credit Union
Cambridge, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Beacon Bank and Trust | Cambridge Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 97 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 70 | 96 (stronger) |
| Earnings | 62 | 88 (stronger) |
| Funding & liquidity | 40 | 100 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 25th | 98th |
| Total assets | $22.2B | $10.2M |
| Deposits / shares | $18.6B | $7.7M |
| Capital ratio | 9.83% | 24.81% (stronger) |
| Problem loans | 0.90% | 0.12% (stronger) |
| Net charge-offs | 0.31% | 0.00% (stronger) |
| Return on assets | 1.05% | 1.71% (stronger) |
| Loans ÷ deposits | 94.3% | 40.7% (stronger) |
| Uninsured deposits | 38.3% | 0.0% (stronger) |
| Offices | 149 | 3 |
| CFPB complaints (3 yrs) | 83 | — |
| Complaints per $1B deposits | 4.5 | — |
| Mortgage denial rate (HMDA) | 26.1% | — |
Cambridge Municipal Employees Federal Credit Union has the higher TellerScore (97 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Beacon Bank and Trust leads on 0 and Cambridge Municipal 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.