Side-by-side · Q2 2026 data
Mass. Institute of Tech. Federal Credit Union vs Umassfive College Federal Credit Union
Credit union
Mass. Institute of Tech. Federal Credit Union
Lexington, Massachusetts · $100 million – $1 billion
Credit union
Umassfive College Federal Credit Union
Hadley, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Mass. Institute of Tech. Federal Credit Union | Umassfive College Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 58 (stronger) |
| Capital cushion | 49 (stronger) | 47 |
| Loan quality | 64 | 66 (stronger) |
| Earnings | 28 | 41 (stronger) |
| Funding & liquidity | 75 | 75 |
| Problem-loan coverage | 83 | 84 (stronger) |
| Peer percentile | 13th | 16th |
| Total assets | $730.8M | $702.7M |
| Deposits / shares | $649.4M | $632.2M |
| Capital ratio | 9.90% (stronger) | 9.67% |
| Problem loans | 1.09% | 1.02% (stronger) |
| Net charge-offs | 0.46% | 0.28% (stronger) |
| Return on assets | 0.21% | 0.52% (stronger) |
| Loans ÷ deposits | 84.9% (stronger) | 85.7% |
| Uninsured deposits | 12.6% | 4.9% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Umassfive College Federal Credit Union has the higher TellerScore (58 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 Umassfive College Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.