Side-by-side · Q2 2026 data
Lynn Firemens Federal Credit Union vs Somerville School Employees Federal Credit Union
Credit union
Lynn Firemens Federal Credit Union
Lynn, Massachusetts · Under $100 million in assets
Credit union
Somerville School Employees Federal Credit Union
Somerville, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Lynn Firemens Federal Credit Union | Somerville School Employees Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 85 |
| Capital cushion | 100 | 100 |
| Loan quality | 87 | 94 (stronger) |
| Earnings | 83 (stronger) | 34 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 87th | 77th |
| Total assets | $20.1M | $22.9M |
| Deposits / shares | $16.1M | $18.9M |
| Capital ratio | 19.62% (stronger) | 17.21% |
| Problem loans | 0.38% | 0.18% (stronger) |
| Net charge-offs | 0.11% | 0.00% (stronger) |
| Return on assets | 1.57% (stronger) | 0.34% |
| Loans ÷ deposits | 84.4% | 42.5% (stronger) |
| Uninsured deposits | 10.4% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lynn Firemens Federal Credit Union has the higher TellerScore (89 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Lynn Firemens Federal Credit Union leads on 3 and Somerville School Employees Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.