Side-by-side · Q2 2026 data
Leominster Employees Federal Credit Union vs Central One Federal Credit Union
Credit union
Leominster Employees Federal Credit Union
Leominster, Massachusetts · Under $100 million in assets
Credit union
Central One Federal Credit Union
Shrewsbury, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Leominster Employees Federal Credit Union | Central One Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 61 |
| Capital cushion | 62 (stronger) | 47 |
| Loan quality | 100 (stronger) | 77 |
| Earnings | 56 (stronger) | 44 |
| Funding & liquidity | 100 (stronger) | 64 |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 65th | 24th |
| Total assets | $30.0M | $872.1M |
| Deposits / shares | $26.4M | $723.0M |
| Capital ratio | 11.20% (stronger) | 9.72% |
| Problem loans | 0.01% (stronger) | 0.68% |
| Net charge-offs | -0.01% (stronger) | 0.14% |
| Return on assets | 0.90% (stronger) | 0.59% |
| Loans ÷ deposits | 53.5% (stronger) | 96.6% |
| Uninsured deposits | 0.3% (stronger) | 7.7% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 17.0% |
Leominster Employees Federal Credit Union has the higher TellerScore (80 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Leominster Employees Federal Credit Union leads on 7 and Central One Federal Credit Union on 0. 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.