Side-by-side · Q2 2026 data
Sanger Bank vs Somerville Municipal Federal Credit Union
Credit union
Somerville Municipal Federal Credit Union
Somerville, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Sanger Bank | Somerville Municipal Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 83 | 84 (stronger) |
| Earnings | 65 | 65 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 90th | 87th |
| Total assets | $224.4M | $49.0M |
| Deposits / shares | $186.6M | $39.5M |
| Capital ratio | 16.53% | 19.08% (stronger) |
| Problem loans | 0.51% | 0.48% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.13% (stronger) | 1.12% |
| Loans ÷ deposits | 66.0% | 60.7% (stronger) |
| Uninsured deposits | 27.0% | 7.6% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Somerville Municipal Federal Credit Union has the higher TellerScore (89 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Sanger Bank leads on 2 and Somerville Municipal Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.