Side-by-side · Q2 2026 data
Middlesex Savings Bank vs Southbridge Credit Union
Metric by metric
| Measure | Middlesex Savings Bank | Southbridge Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 68 |
| Capital cushion | 84 (stronger) | 56 |
| Loan quality | 89 | 92 (stronger) |
| Earnings | 49 (stronger) | 37 |
| Funding & liquidity | 80 (stronger) | 75 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 88th | 45th |
| Total assets | $6.1B | $242.4M |
| Deposits / shares | $5.2B | $212.5M |
| Capital ratio | 13.44% (stronger) | 10.62% |
| Problem loans | 0.33% | 0.23% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.16% |
| Return on assets | 0.72% (stronger) | 0.42% |
| Loans ÷ deposits | 72.5% (stronger) | 85.2% |
| Uninsured deposits | 22.4% | 6.8% (stronger) |
| Offices | 32 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.3% | 27.8% |
Middlesex Savings Bank has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Middlesex Savings Bank leads on 5 and Southbridge Credit Union on 2. 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.