Side-by-side · Q2 2026 data
Millbury National Bank vs Worcester Fire Dept. Credit Union
Credit union
Worcester Fire Dept. Credit Union
Worcester, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Millbury National Bank | Worcester Fire Dept. Credit Union |
|---|---|---|
| TellerScore | 65 | 78 (stronger) |
| Capital cushion | 45 | 82 (stronger) |
| Loan quality | 85 (stronger) | 70 |
| Earnings | 54 | 54 |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 29th | 59th |
| Total assets | $146.5M | $47.1M |
| Deposits / shares | $123.4M | $40.9M |
| Capital ratio | 9.51% | 13.18% (stronger) |
| Problem loans | 0.44% (stronger) | 0.91% |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 0.85% | 0.85% (stronger) |
| Loans ÷ deposits | 90.5% | 25.0% (stronger) |
| Uninsured deposits | 18.0% | 10.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | — |
Worcester Fire Dept. Credit Union has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Millbury National Bank leads on 1 and Worcester Fire Dept. Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.