Side-by-side · Q2 2026 data
Middlesex Savings Bank vs Worcester Police Department Federal Credit Union
Credit union
Worcester Police Department Federal Credit Union
Worcester, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Middlesex Savings Bank | Worcester Police Department Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 69 |
| Capital cushion | 84 (stronger) | 67 |
| Loan quality | 89 (stronger) | 84 |
| Earnings | 49 (stronger) | 36 |
| Funding & liquidity | 80 (stronger) | 74 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 88th | 38th |
| Total assets | $6.1B | $25.5M |
| Deposits / shares | $5.2B | $22.2M |
| Capital ratio | 13.44% (stronger) | 11.67% |
| Problem loans | 0.33% (stronger) | 0.48% |
| Net charge-offs | 0.01% (stronger) | 0.14% |
| Return on assets | 0.72% (stronger) | 0.40% |
| Loans ÷ deposits | 72.5% (stronger) | 86.0% |
| Uninsured deposits | 22.4% | 0.0% (stronger) |
| Offices | 32 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.3% | — |
Middlesex Savings Bank has the higher TellerScore (79 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Middlesex Savings Bank leads on 6 and Worcester Police Department 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.