Side-by-side · Q2 2026 data
Somerset Federal Credit Union vs Cumberland Municipal Employees Federal Credit Union
Credit union
Cumberland Municipal Employees Federal Credit Union
Cumberland, Rhode Island · Under $100 million in assets
Metric by metric
| Measure | Somerset Federal Credit Union | Cumberland Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 78 |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 94 (stronger) | 68 |
| Earnings | 48 (stronger) | 35 |
| Funding & liquidity | 85 | 96 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 74th | 59th |
| Total assets | $263.3M | $9.2M |
| Deposits / shares | $232.8M | $7.3M |
| Capital ratio | 12.51% | 19.26% (stronger) |
| Problem loans | 0.19% (stronger) | 0.95% |
| Net charge-offs | -0.00% | -0.03% (stronger) |
| Return on assets | 0.69% (stronger) | 0.37% |
| Loans ÷ deposits | 74.8% | 44.2% (stronger) |
| Uninsured deposits | 8.1% (stronger) | 18.6% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Somerset Federal Credit Union leads on 3 and Cumberland Municipal Employees Federal Credit Union on 3. 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.