Side-by-side · Q2 2026 data
Northern Bank & Trust Company vs Billerica Municipal Employees Credit Union
Credit union
Billerica Municipal Employees Credit Union
Billerica, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Northern Bank & Trust Company | Billerica Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 69 | 91 (stronger) |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 31 | 100 (stronger) |
| Earnings | 96 (stronger) | 56 |
| Funding & liquidity | 40 | 100 (stronger) |
| Problem-loan coverage | 75 | 100 (stronger) |
| Peer percentile | 53rd | 90th |
| Total assets | $3.4B | $23.6M |
| Deposits / shares | $2.8B | $19.2M |
| Capital ratio | 14.55% | 17.76% (stronger) |
| Problem loans | 2.07% | 0.00% (stronger) |
| Net charge-offs | 0.07% | 0.06% (stronger) |
| Return on assets | 1.90% (stronger) | 0.89% |
| Loans ÷ deposits | 100.7% | 32.1% (stronger) |
| Uninsured deposits | 33.0% | 2.4% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | — |
Billerica Municipal Employees Credit Union has the higher TellerScore (91 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Northern Bank & Trust Company leads on 1 and Billerica Municipal Employees Credit Union on 6. 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.