Side-by-side · Q2 2026 data
Cambridge Municipal Employees Federal Credit Union vs North Towns Federal Credit Union
Credit union
Cambridge Municipal Employees Federal Credit Union
Cambridge, Massachusetts · Under $100 million in assets
Credit union
North Towns Federal Credit Union
Clarence, New York · Under $100 million in assets
Metric by metric
| Measure | Cambridge Municipal Employees Federal Credit Union | North Towns Federal Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 45 |
| Loan quality | 96 (stronger) | 65 |
| Earnings | 88 (stronger) | 77 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 98th | 38th |
| Total assets | $10.2M | $51.7M |
| Deposits / shares | $7.7M | $46.7M |
| Capital ratio | 24.81% (stronger) | 9.50% |
| Problem loans | 0.12% (stronger) | 1.06% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.71% (stronger) | 1.43% |
| Loans ÷ deposits | 40.7% (stronger) | 60.7% |
| Uninsured deposits | 0.0% (stronger) | 4.8% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cambridge Municipal Employees Federal Credit Union has the higher TellerScore (97 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Cambridge Municipal Employees Federal Credit Union leads on 7 and North Towns Federal 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.