Side-by-side · Q2 2026 data
Belmont Municipal Federal Credit Union vs Billerica Municipal Employees Credit Union
Credit union
Belmont Municipal Federal Credit Union
Belmont, Massachusetts · Under $100 million in assets
Credit union
Billerica Municipal Employees Credit Union
Billerica, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Belmont Municipal Federal Credit Union | Billerica Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 81 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 42 | 100 (stronger) |
| Earnings | 99 (stronger) | 56 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 68th | 90th |
| Total assets | $3.7M | $23.6M |
| Deposits / shares | $2.9M | $19.2M |
| Capital ratio | 22.91% (stronger) | 17.76% |
| Problem loans | 1.73% | 0.00% (stronger) |
| Net charge-offs | 0.32% | 0.06% (stronger) |
| Return on assets | 1.97% (stronger) | 0.89% |
| Loans ÷ deposits | 80.9% | 32.1% (stronger) |
| Uninsured deposits | 7.7% | 2.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Billerica Municipal Employees Credit Union has the higher TellerScore (91 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Belmont Municipal Federal Credit Union 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.