Side-by-side · Q2 2026 data
Fidelity Personal Trust Company, FSB vs Billerica Municipal Employees Credit Union
Bank
Fidelity Personal Trust Company, FSB
Merrimack, New Hampshire · Under $100 million in assets
Credit union
Billerica Municipal Employees Credit Union
Billerica, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Fidelity Personal Trust Company, FSB | Billerica Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 91 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 94th | 90th |
| Total assets | $74.6M | $23.6M |
| Deposits / shares | $500K | $19.2M |
| Capital ratio | 101.53% (stronger) | 17.76% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 33.31% (stronger) | 0.89% |
| Loans ÷ deposits | 0.0% (stronger) | 32.1% |
| Uninsured deposits | 56.6% | 2.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fidelity Personal Trust Company, FSB has the higher TellerScore (93 vs 91). On the 6 directional measures above (where higher or lower is clearly better), Fidelity Personal Trust Company, FSB leads on 5 and Billerica Municipal Employees Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.