Side-by-side · Q2 2026 data
Cape Ann Savings Bank vs Malden Federal Credit Union
Credit union
Malden Federal Credit Union
Malden, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Cape Ann Savings Bank | Malden Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 80 | 99 (stronger) |
| Earnings | 89 (stronger) | 50 |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 97th | 89th |
| Total assets | $1.1B | $29.4M |
| Deposits / shares | $804.8M | $24.3M |
| Capital ratio | 20.48% (stronger) | 17.05% |
| Problem loans | 0.59% | 0.03% (stronger) |
| Net charge-offs | 0.00% | -0.11% (stronger) |
| Return on assets | 1.72% (stronger) | 0.74% |
| Loans ÷ deposits | 90.7% | 53.5% (stronger) |
| Uninsured deposits | 23.4% | 4.1% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Malden Federal Credit Union has the higher TellerScore (90 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Cape Ann Savings Bank leads on 2 and Malden Federal Credit Union on 5. 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.