Side-by-side · Q2 2026 data
Massena Savings and Loan vs Ed-Med Federal Credit Union
Metric by metric
| Measure | Massena Savings and Loan | Ed-Med Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 76 (stronger) |
| Capital cushion | 100 (stronger) | 75 |
| Loan quality | 57 | 64 (stronger) |
| Earnings | 63 | 63 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 83 | 94 (stronger) |
| Peer percentile | 53rd | 54th |
| Total assets | $199.9M | $34.7M |
| Deposits / shares | $148.2M | $30.3M |
| Capital ratio | 15.15% (stronger) | 12.51% |
| Problem loans | 1.30% | 1.08% (stronger) |
| Net charge-offs | 0.11% | -0.08% (stronger) |
| Return on assets | 1.09% (stronger) | 1.07% |
| Loans ÷ deposits | 121.7% | 42.2% (stronger) |
| Uninsured deposits | 12.8% | 1.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ed-Med Federal Credit Union has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Massena Savings and Loan leads on 2 and Ed-Med Federal Credit Union on 5. 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.