Side-by-side · Q2 2026 data
Cumberland Municipal Employees Federal Credit Union vs Sovita Credit Union
Credit union
Cumberland Municipal Employees Federal Credit Union
Cumberland, Rhode Island · Under $100 million in assets
Metric by metric
| Measure | Cumberland Municipal Employees Federal Credit Union | Sovita Credit Union |
|---|---|---|
| TellerScore | 78 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 68 | 90 (stronger) |
| Earnings | 35 | 64 (stronger) |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 59th | 95th |
| Total assets | $9.2M | $592.0M |
| Deposits / shares | $7.3M | $501.3M |
| Capital ratio | 19.26% (stronger) | 16.10% |
| Problem loans | 0.95% | 0.31% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.09% |
| Return on assets | 0.37% | 1.11% (stronger) |
| Loans ÷ deposits | 44.2% | 27.5% (stronger) |
| Uninsured deposits | 18.6% | 5.0% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.7% |
Sovita Credit Union has the higher TellerScore (90 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Cumberland Municipal Employees Federal Credit Union leads on 2 and Sovita 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.