Side-by-side · Q2 2026 data
Common Trust Federal Credit Union vs Worcester Credit Union
Credit union
Common Trust Federal Credit Union
Woburn, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Common Trust Federal Credit Union | Worcester Credit Union |
|---|---|---|
| TellerScore | 68 | 71 (stronger) |
| Capital cushion | 45 | 68 (stronger) |
| Loan quality | 98 (stronger) | 71 |
| Earnings | 26 | 57 (stronger) |
| Funding & liquidity | 100 (stronger) | 83 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 45th | 54th |
| Total assets | $100.8M | $107.3M |
| Deposits / shares | $93.7M | $95.8M |
| Capital ratio | 9.47% | 11.75% (stronger) |
| Problem loans | 0.05% (stronger) | 0.87% |
| Net charge-offs | 0.34% | 0.10% (stronger) |
| Return on assets | 0.16% | 0.92% (stronger) |
| Loans ÷ deposits | 45.4% (stronger) | 77.4% |
| Uninsured deposits | 4.1% (stronger) | 4.2% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 34.5% |
Worcester Credit Union has the higher TellerScore (71 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Common Trust Federal Credit Union leads on 3 and Worcester Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.