Side-by-side · Q2 2026 data
Lakeside Bank vs Somerville Municipal Federal Credit Union
Credit union
Somerville Municipal Federal Credit Union
Somerville, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Lakeside Bank | Somerville Municipal Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 89 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 87 (stronger) | 65 |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 97th | 87th |
| Total assets | $389.2M | $49.0M |
| Deposits / shares | $311.6M | $39.5M |
| Capital ratio | 14.37% | 19.08% (stronger) |
| Problem loans | 0.00% (stronger) | 0.48% |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.67% (stronger) | 1.12% |
| Loans ÷ deposits | 83.4% | 60.7% (stronger) |
| Uninsured deposits | 18.1% | 7.6% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lakeside Bank has the higher TellerScore (92 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Lakeside Bank leads on 4 and Somerville Municipal Federal Credit Union on 3. 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.