Side-by-side · Q2 2026 data
Monson Savings Bank vs Polish National Credit Union
Metric by metric
| Measure | Monson Savings Bank | Polish National Credit Union |
|---|---|---|
| TellerScore | 66 | 76 (stronger) |
| Capital cushion | 45 | 86 (stronger) |
| Loan quality | 92 | 94 (stronger) |
| Earnings | 60 (stronger) | 41 |
| Funding & liquidity | 54 | 56 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 31st | 68th |
| Total assets | $806.3M | $776.9M |
| Deposits / shares | $721.9M | $614.5M |
| Capital ratio | 9.55% | 13.58% (stronger) |
| Problem loans | 0.23% | 0.17% (stronger) |
| Net charge-offs | 0.01% | -0.04% (stronger) |
| Return on assets | 0.99% (stronger) | 0.52% |
| Loans ÷ deposits | 87.8% (stronger) | 104.4% |
| Uninsured deposits | 31.5% | 8.3% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | 10.0% |
Polish National Credit Union has the higher TellerScore (76 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Monson Savings Bank leads on 2 and Polish National Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- East Longmeadow, MA
- Hampden, MA
- Wilbraham, MA