Side-by-side · Q2 2026 data
Billerica Municipal Employees Credit Union vs Energy 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 | Energy Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 72 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 52 |
| Earnings | 56 (stronger) | 46 |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 90th | 57th |
| Total assets | $23.6M | $128.8M |
| Deposits / shares | $19.2M | $106.5M |
| Capital ratio | 17.76% (stronger) | 16.92% |
| Problem loans | 0.00% (stronger) | 1.43% |
| Net charge-offs | 0.06% | -0.00% (stronger) |
| Return on assets | 0.89% (stronger) | 0.66% |
| Loans ÷ deposits | 32.1% (stronger) | 85.5% |
| Uninsured deposits | 2.4% (stronger) | 8.0% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.3% |
Billerica Municipal Employees Credit Union has the higher TellerScore (91 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Billerica Municipal Employees Credit Union leads on 6 and Energy Credit Union on 1. 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.