Side-by-side · Q2 2026 data
Somerset Federal Credit Union vs Greater Springfield Credit Union
Credit union
Greater Springfield Credit Union
Springfield, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Somerset Federal Credit Union | Greater Springfield Credit Union |
|---|---|---|
| TellerScore | 78 | 94 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 94 (stronger) | 85 |
| Earnings | 48 | 92 (stronger) |
| Funding & liquidity | 85 | 99 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 74th | 98th |
| Total assets | $263.3M | $230.3M |
| Deposits / shares | $232.8M | $188.5M |
| Capital ratio | 12.51% | 19.74% (stronger) |
| Problem loans | 0.19% (stronger) | 0.45% |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 0.69% | 1.79% (stronger) |
| Loans ÷ deposits | 74.8% | 61.6% (stronger) |
| Uninsured deposits | 8.1% (stronger) | 12.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
Greater Springfield Credit Union has the higher TellerScore (94 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Somerset Federal Credit Union leads on 3 and Greater Springfield Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.