Side-by-side · Q2 2026 data
Beverly Municipal Federal Credit Union vs Billerica Municipal Employees Credit Union
Credit union
Beverly Municipal Federal Credit Union
Beverly, Massachusetts · Under $100 million in assets
Credit union
Billerica Municipal Employees Credit Union
Billerica, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Beverly Municipal Federal Credit Union | Billerica Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 69 | 91 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 58 (stronger) | 56 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 38th | 90th |
| Total assets | $25.8M | $23.6M |
| Deposits / shares | $22.9M | $19.2M |
| Capital ratio | 8.79% | 17.76% (stronger) |
| Problem loans | 0.08% | 0.00% (stronger) |
| Net charge-offs | 0.18% | 0.06% (stronger) |
| Return on assets | 0.94% (stronger) | 0.89% |
| Loans ÷ deposits | 84.2% | 32.1% (stronger) |
| Uninsured deposits | 7.5% | 2.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Billerica Municipal Employees Credit Union has the higher TellerScore (91 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Beverly Municipal Federal Credit Union leads on 1 and Billerica Municipal Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.