Side-by-side · Q2 2026 data
Billerica Municipal Employees Credit Union vs Align Credit Union
Credit union
Billerica Municipal Employees Credit Union
Billerica, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Billerica Municipal Employees Credit Union | Align Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 45 |
| Capital cushion | 100 (stronger) | 37 |
| Loan quality | 100 (stronger) | 51 |
| Earnings | 56 (stronger) | 2 |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 100 (stronger) | 77 |
| Peer percentile | 90th | 3rd |
| Total assets | $23.6M | $650.9M |
| Deposits / shares | $19.2M | $556.8M |
| Capital ratio | 17.76% (stronger) | 8.67% |
| Problem loans | 0.00% (stronger) | 1.46% |
| Net charge-offs | 0.06% (stronger) | 0.14% |
| Return on assets | 0.89% (stronger) | -0.45% |
| Loans ÷ deposits | 32.1% (stronger) | 74.8% |
| Uninsured deposits | 2.4% (stronger) | 10.0% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.2% |
Billerica Municipal Employees Credit Union has the higher TellerScore (91 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Billerica Municipal Employees Credit Union leads on 7 and Align Credit Union on 0. 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.