Side-by-side · Q2 2026 data
North Adams M E Federal Credit Union vs Symphony 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 | Symphony Federal Credit Union |
|---|---|---|
| TellerScore | 53 (stronger) | 26 |
| Capital cushion | 100 (stronger) | 31 |
| Loan quality | 0 | 0 |
| Earnings | 0 | 18 (stronger) |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 82 (stronger) | 2 |
| Peer percentile | 12th | 1st |
| Total assets | $2.3M | $2.2M |
| Deposits / shares | $1.9M | $2.0M |
| Capital ratio | 17.92% (stronger) | 8.09% |
| Problem loans | 3.36% (stronger) | 6.21% |
| Net charge-offs | 0.00% (stronger) | 3.24% |
| Return on assets | -0.99% | -0.04% (stronger) |
| Loans ÷ deposits | 58.4% (stronger) | 72.4% |
| Uninsured deposits | 0.0% (stronger) | 8.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Adams M E Federal Credit Union has the higher TellerScore (53 vs 26). On the 7 directional measures above (where higher or lower is clearly better), North Adams M E Federal Credit Union leads on 6 and Symphony Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.