Side-by-side · Q2 2026 data
Mass. Institute of Tech. Federal Credit Union vs Direct Federal 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 | Direct Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 64 (stronger) |
| Capital cushion | 49 | 64 (stronger) |
| Loan quality | 64 | 88 (stronger) |
| Earnings | 28 (stronger) | 27 |
| Funding & liquidity | 75 (stronger) | 50 |
| Problem-loan coverage | 83 | 94 (stronger) |
| Peer percentile | 13th | 31st |
| Total assets | $730.8M | $794.7M |
| Deposits / shares | $649.4M | $622.0M |
| Capital ratio | 9.90% | 11.36% (stronger) |
| Problem loans | 1.09% | 0.36% (stronger) |
| Net charge-offs | 0.46% | 0.15% (stronger) |
| Return on assets | 0.21% (stronger) | 0.18% |
| Loans ÷ deposits | 84.9% (stronger) | 114.1% |
| Uninsured deposits | 12.6% | 10.5% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | 33.3% |
Direct Federal Credit Union has the higher TellerScore (64 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Mass. Institute of Tech. Federal Credit Union leads on 2 and Direct Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.