Side-by-side · Q2 2026 data
Holyoke Credit Union vs Mass Bay Credit Union
Metric by metric
| Measure | Holyoke Credit Union | Mass Bay Credit Union |
|---|---|---|
| TellerScore | 53 | 62 (stronger) |
| Capital cushion | 42 | 65 (stronger) |
| Loan quality | 53 | 70 (stronger) |
| Earnings | 39 | 43 (stronger) |
| Funding & liquidity | 76 (stronger) | 50 |
| Problem-loan coverage | 79 | 87 (stronger) |
| Peer percentile | 9th | 26th |
| Total assets | $296.4M | $366.7M |
| Deposits / shares | $240.3M | $259.6M |
| Capital ratio | 9.16% | 11.46% (stronger) |
| Problem loans | 1.42% | 0.89% (stronger) |
| Net charge-offs | 0.30% | 0.03% (stronger) |
| Return on assets | 0.48% | 0.58% (stronger) |
| Loans ÷ deposits | 84.6% (stronger) | 117.5% |
| Uninsured deposits | 6.5% (stronger) | 9.3% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.2% | 41.3% |
Mass Bay Credit Union has the higher TellerScore (62 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Holyoke Credit Union leads on 2 and Mass Bay Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.