Side-by-side · Q2 2026 data
Direct Federal Credit Union vs Billerica Municipal Employees Credit Union
Credit union
Billerica Municipal Employees Credit Union
Billerica, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Direct Federal Credit Union | Billerica Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 64 | 91 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 27 | 56 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 31st | 90th |
| Total assets | $794.7M | $23.6M |
| Deposits / shares | $622.0M | $19.2M |
| Capital ratio | 11.36% | 17.76% (stronger) |
| Problem loans | 0.36% | 0.00% (stronger) |
| Net charge-offs | 0.15% | 0.06% (stronger) |
| Return on assets | 0.18% | 0.89% (stronger) |
| Loans ÷ deposits | 114.1% | 32.1% (stronger) |
| Uninsured deposits | 10.5% | 2.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.3% | — |
Billerica Municipal Employees Credit Union has the higher TellerScore (91 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Direct Federal Credit Union leads on 0 and Billerica Municipal Employees Credit Union on 7. 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.