Side-by-side · Q2 2026 data
Nesc Federal Credit Union vs Common Trust Federal Credit Union
Credit union
Common Trust Federal Credit Union
Woburn, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Nesc Federal Credit Union | Common Trust Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 68 (stronger) |
| Capital cushion | 56 (stronger) | 45 |
| Loan quality | 70 | 98 (stronger) |
| Earnings | 42 (stronger) | 26 |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 31st | 45th |
| Total assets | $125.9M | $100.8M |
| Deposits / shares | $112.1M | $93.7M |
| Capital ratio | 10.61% (stronger) | 9.47% |
| Problem loans | 0.91% | 0.05% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.34% |
| Return on assets | 0.55% (stronger) | 0.16% |
| Loans ÷ deposits | 78.6% | 45.4% (stronger) |
| Uninsured deposits | 6.6% | 4.1% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Common Trust Federal Credit Union has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Nesc Federal Credit Union leads on 3 and Common Trust Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.