Side-by-side · Q2 2026 data
Mass. Institute of Tech. Federal Credit Union vs Align Credit Union
Credit union
Mass. Institute of Tech. Federal Credit Union
Lexington, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Mass. Institute of Tech. Federal Credit Union | Align Credit Union |
|---|---|---|
| TellerScore | 56 (stronger) | 45 |
| Capital cushion | 49 (stronger) | 37 |
| Loan quality | 64 (stronger) | 51 |
| Earnings | 28 (stronger) | 2 |
| Funding & liquidity | 75 | 85 (stronger) |
| Problem-loan coverage | 83 (stronger) | 77 |
| Peer percentile | 13th | 3rd |
| Total assets | $730.8M | $650.9M |
| Deposits / shares | $649.4M | $556.8M |
| Capital ratio | 9.90% (stronger) | 8.67% |
| Problem loans | 1.09% (stronger) | 1.46% |
| Net charge-offs | 0.46% | 0.14% (stronger) |
| Return on assets | 0.21% (stronger) | -0.45% |
| Loans ÷ deposits | 84.9% | 74.8% (stronger) |
| Uninsured deposits | 12.6% | 10.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | 22.2% |
Mass. Institute of Tech. Federal Credit Union has the higher TellerScore (56 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Mass. Institute of Tech. Federal Credit Union leads on 4 and Align Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.