Side-by-side · Q2 2026 data
Hingham Institution for Savings vs Somerville Mass Firefighters Federal Credit Union
Credit union
Somerville Mass Firefighters Federal Credit Union
Somerville, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Hingham Institution for Savings | Somerville Mass Firefighters Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 92 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 74 | 100 (stronger) |
| Earnings | 70 (stronger) | 61 |
| Funding & liquidity | 27 | 100 (stronger) |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 33rd | 92nd |
| Total assets | $4.6B | $7.4M |
| Deposits / shares | $2.6B | $6.0M |
| Capital ratio | 11.19% | 19.56% (stronger) |
| Problem loans | 0.78% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.24% (stronger) | 1.03% |
| Loans ÷ deposits | 149.3% | 50.4% (stronger) |
| Uninsured deposits | 35.8% | 3.1% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Somerville Mass Firefighters Federal Credit Union has the higher TellerScore (92 vs 64). On the 6 directional measures above (where higher or lower is clearly better), Hingham Institution for Savings leads on 1 and Somerville Mass Firefighters Federal 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.