Side-by-side · Q2 2026 data
Middlesex Savings Bank vs I-C Federal Credit Union
Credit union
I-C Federal Credit Union
Fitchburg, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Middlesex Savings Bank | I-C Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 50 |
| Capital cushion | 84 (stronger) | 39 |
| Loan quality | 89 (stronger) | 69 |
| Earnings | 49 (stronger) | 9 |
| Funding & liquidity | 80 (stronger) | 72 |
| Problem-loan coverage | 97 (stronger) | 83 |
| Peer percentile | 88th | 6th |
| Total assets | $6.1B | $583.0M |
| Deposits / shares | $5.2B | $505.4M |
| Capital ratio | 13.44% (stronger) | 8.92% |
| Problem loans | 0.33% (stronger) | 0.94% |
| Net charge-offs | 0.01% (stronger) | 0.46% |
| Return on assets | 0.72% (stronger) | -0.27% |
| Loans ÷ deposits | 72.5% (stronger) | 88.2% |
| Uninsured deposits | 22.4% | 6.2% (stronger) |
| Offices | 32 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.3% | 28.2% |
Middlesex Savings Bank has the higher TellerScore (79 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Middlesex Savings Bank leads on 6 and I-C Federal Credit Union on 1. 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.