Side-by-side · Q2 2026 data
Florence Bank vs Umassfive College Federal Credit Union
Credit union
Umassfive College Federal Credit Union
Hadley, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Florence Bank | Umassfive College Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 58 |
| Capital cushion | 72 (stronger) | 47 |
| Loan quality | 85 (stronger) | 66 |
| Earnings | 49 (stronger) | 41 |
| Funding & liquidity | 79 (stronger) | 75 |
| Problem-loan coverage | 95 (stronger) | 84 |
| Peer percentile | 74th | 16th |
| Total assets | $2.0B | $702.7M |
| Deposits / shares | $1.8B | $632.2M |
| Capital ratio | 12.23% (stronger) | 9.67% |
| Problem loans | 0.46% (stronger) | 1.02% |
| Net charge-offs | 0.01% (stronger) | 0.28% |
| Return on assets | 0.72% (stronger) | 0.52% |
| Loans ÷ deposits | 71.0% (stronger) | 85.7% |
| Uninsured deposits | 24.6% | 4.9% (stronger) |
| Offices | 13 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | — |
Florence Bank has the higher TellerScore (74 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Florence Bank leads on 6 and Umassfive College Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Northampton, MA
- Hadley, MA
- Springfield, MA