Side-by-side · Q2 2026 data
North Adams M E Federal Credit Union vs Heritage Family Federal Credit Union
Credit union
North Adams M E Federal Credit Union
North Adams, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | North Adams M E Federal Credit Union | Heritage Family Federal Credit Union |
|---|---|---|
| TellerScore | 53 | 71 (stronger) |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 0 | 71 (stronger) |
| Earnings | 0 | 60 (stronger) |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 82 | 89 (stronger) |
| Peer percentile | 12th | 54th |
| Total assets | $2.3M | $869.8M |
| Deposits / shares | $1.9M | $736.1M |
| Capital ratio | 17.92% (stronger) | 12.08% |
| Problem loans | 3.36% | 0.86% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.59% |
| Return on assets | -0.99% | 1.00% (stronger) |
| Loans ÷ deposits | 58.4% (stronger) | 85.9% |
| Uninsured deposits | 0.0% (stronger) | 8.2% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage Family Federal Credit Union has the higher TellerScore (71 vs 53). On the 7 directional measures above (where higher or lower is clearly better), North Adams M E Federal Credit Union leads on 4 and Heritage Family Federal Credit Union on 3. 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.