Side-by-side · Q2 2026 data
Haverhill Bank vs Billerica Municipal Employees Credit Union
Credit union
Billerica Municipal Employees Credit Union
Billerica, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Haverhill Bank | Billerica Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 77 | 91 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 81 (stronger) | 56 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 68th | 90th |
| Total assets | $636.8M | $23.6M |
| Deposits / shares | $507.6M | $19.2M |
| Capital ratio | 11.17% | 17.76% (stronger) |
| Problem loans | 0.14% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.06% |
| Return on assets | 1.53% (stronger) | 0.89% |
| Loans ÷ deposits | 91.7% | 32.1% (stronger) |
| Uninsured deposits | 27.1% | 2.4% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.3% | — |
Billerica Municipal Employees Credit Union has the higher TellerScore (91 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Haverhill Bank leads on 2 and Billerica Municipal Employees 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.