Side-by-side · Q2 2026 data
Santo Christo Federal Credit Union vs Billerica Municipal Employees Credit Union
Credit union
Santo Christo Federal Credit Union
Fall River, Massachusetts · Under $100 million in assets
Credit union
Billerica Municipal Employees Credit Union
Billerica, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Santo Christo Federal Credit Union | Billerica Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 72 | 91 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 58 (stronger) | 56 |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 44th | 90th |
| Total assets | $18.5M | $23.6M |
| Deposits / shares | $17.5M | $19.2M |
| Capital ratio | 9.10% | 17.76% (stronger) |
| Problem loans | 0.08% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 0.94% (stronger) | 0.89% |
| Loans ÷ deposits | 66.4% | 32.1% (stronger) |
| Uninsured deposits | 2.6% | 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 72). On the 7 directional measures above (where higher or lower is clearly better), Santo Christo Federal Credit Union leads on 2 and Billerica Municipal Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.