Side-by-side · Q2 2026 data
Metrowest Community Federal Credit Union vs Energy Credit Union
Credit union
Metrowest Community Federal Credit Union
Framingham, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Metrowest Community Federal Credit Union | Energy Credit Union |
|---|---|---|
| TellerScore | 68 | 72 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 93 (stronger) | 52 |
| Earnings | 42 | 46 (stronger) |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 98 (stronger) | 88 |
| Peer percentile | 45th | 57th |
| Total assets | $147.0M | $128.8M |
| Deposits / shares | $137.6M | $106.5M |
| Capital ratio | 8.74% | 16.92% (stronger) |
| Problem loans | 0.21% (stronger) | 1.43% |
| Net charge-offs | 0.14% | -0.00% (stronger) |
| Return on assets | 0.56% | 0.66% (stronger) |
| Loans ÷ deposits | 50.7% (stronger) | 85.5% |
| Uninsured deposits | 10.2% | 8.0% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.1% | 16.3% |
Energy Credit Union has the higher TellerScore (72 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Metrowest Community Federal Credit Union leads on 2 and Energy Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.