Side-by-side · Q2 2026 data
Cranberry Federal Credit Union vs Stoneham Municipal Employees Federal Credit Union
Credit union
Cranberry Federal Credit Union
West Wareham, Massachusetts · Under $100 million in assets
Credit union
Stoneham Municipal Employees Federal Credit Union
Stoneham, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Cranberry Federal Credit Union | Stoneham Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 78 (stronger) |
| Capital cushion | 32 | 100 (stronger) |
| Loan quality | 78 (stronger) | 48 |
| Earnings | 30 | 56 (stronger) |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 89 | 94 (stronger) |
| Peer percentile | 17th | 59th |
| Total assets | $63.3M | $69.9M |
| Deposits / shares | $57.8M | $57.8M |
| Capital ratio | 8.19% | 15.27% (stronger) |
| Problem loans | 0.66% (stronger) | 1.57% |
| Net charge-offs | 0.23% | 0.02% (stronger) |
| Return on assets | 0.25% | 0.90% (stronger) |
| Loans ÷ deposits | 76.1% | 36.6% (stronger) |
| Uninsured deposits | 3.3% (stronger) | 4.9% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Stoneham Municipal Employees Federal Credit Union has the higher TellerScore (78 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Cranberry Federal Credit Union leads on 2 and Stoneham Municipal Employees Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.