Side-by-side · Q2 2026 data
Cambridge Municipal Employees Federal Credit Union vs Htm Credit Union
Credit union
Cambridge Municipal Employees Federal Credit Union
Cambridge, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Cambridge Municipal Employees Federal Credit Union | Htm Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 84 |
| Capital cushion | 100 (stronger) | 88 |
| Loan quality | 96 | 96 |
| Earnings | 88 (stronger) | 47 |
| Funding & liquidity | 100 (stronger) | 97 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 98th | 75th |
| Total assets | $10.2M | $29.6M |
| Deposits / shares | $7.7M | $25.6M |
| Capital ratio | 24.81% (stronger) | 13.79% |
| Problem loans | 0.12% | 0.11% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.71% (stronger) | 0.67% |
| Loans ÷ deposits | 40.7% (stronger) | 63.1% |
| Uninsured deposits | 0.0% (stronger) | 3.4% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cambridge Municipal Employees Federal Credit Union has the higher TellerScore (97 vs 84). On the 6 directional measures above (where higher or lower is clearly better), Cambridge Municipal Employees Federal Credit Union leads on 5 and Htm Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.