Side-by-side · Q2 2026 data
Millbury Federal Credit Union vs Mass Bay Credit Union
Credit union
Millbury Federal Credit Union
Millbury, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Millbury Federal Credit Union | Mass Bay Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 62 |
| Capital cushion | 47 | 65 (stronger) |
| Loan quality | 90 (stronger) | 70 |
| Earnings | 32 | 43 (stronger) |
| Funding & liquidity | 76 (stronger) | 50 |
| Problem-loan coverage | 95 (stronger) | 87 |
| Peer percentile | 31st | 26th |
| Total assets | $468.2M | $366.7M |
| Deposits / shares | $419.4M | $259.6M |
| Capital ratio | 9.73% | 11.46% (stronger) |
| Problem loans | 0.29% (stronger) | 0.89% |
| Net charge-offs | 0.13% | 0.03% (stronger) |
| Return on assets | 0.30% | 0.58% (stronger) |
| Loans ÷ deposits | 84.0% (stronger) | 117.5% |
| Uninsured deposits | 12.0% | 9.3% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 41.3% |
Millbury Federal Credit Union has the higher TellerScore (64 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Millbury Federal Credit Union leads on 3 and Mass Bay Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.