Side-by-side · Q2 2026 data
Common Trust Federal Credit Union vs Luso-American Credit Union
Credit union
Common Trust Federal Credit Union
Woburn, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Common Trust Federal Credit Union | Luso-American Credit Union |
|---|---|---|
| TellerScore | 68 | 84 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 98 (stronger) | 93 |
| Earnings | 26 | 39 (stronger) |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 45th | 86th |
| Total assets | $100.8M | $123.0M |
| Deposits / shares | $93.7M | $102.4M |
| Capital ratio | 9.47% | 16.21% (stronger) |
| Problem loans | 0.05% (stronger) | 0.22% |
| Net charge-offs | 0.34% | 0.05% (stronger) |
| Return on assets | 0.16% | 0.47% (stronger) |
| Loans ÷ deposits | 45.4% (stronger) | 71.7% |
| Uninsured deposits | 4.1% (stronger) | 7.6% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Luso-American Credit Union has the higher TellerScore (84 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Common Trust Federal Credit Union leads on 3 and Luso-American Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.