Side-by-side · Q2 2026 data
North Cambridge Co-operative Bank vs Billerica Municipal Employees Credit Union
Credit union
Billerica Municipal Employees Credit Union
Billerica, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | North Cambridge Co-operative Bank | Billerica Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 83 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 | 100 |
| Earnings | 26 | 56 (stronger) |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 73rd | 90th |
| Total assets | $87.1M | $23.6M |
| Deposits / shares | $60.3M | $19.2M |
| Capital ratio | 29.32% (stronger) | 17.76% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 0.15% | 0.89% (stronger) |
| Loans ÷ deposits | 73.9% | 32.1% (stronger) |
| Uninsured deposits | 19.0% | 2.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Billerica Municipal Employees Credit Union has the higher TellerScore (91 vs 83). On the 6 directional measures above (where higher or lower is clearly better), North Cambridge Co-operative Bank leads on 2 and Billerica Municipal Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.