Side-by-side · Q2 2026 data
Somerset Federal Credit Union vs Holyoke Credit Union
Metric by metric
| Measure | Somerset Federal Credit Union | Holyoke Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 53 |
| Capital cushion | 75 (stronger) | 42 |
| Loan quality | 94 (stronger) | 53 |
| Earnings | 48 (stronger) | 39 |
| Funding & liquidity | 85 (stronger) | 76 |
| Problem-loan coverage | 98 (stronger) | 79 |
| Peer percentile | 74th | 9th |
| Total assets | $263.3M | $296.4M |
| Deposits / shares | $232.8M | $240.3M |
| Capital ratio | 12.51% (stronger) | 9.16% |
| Problem loans | 0.19% (stronger) | 1.42% |
| Net charge-offs | -0.00% (stronger) | 0.30% |
| Return on assets | 0.69% (stronger) | 0.48% |
| Loans ÷ deposits | 74.8% (stronger) | 84.6% |
| Uninsured deposits | 8.1% | 6.5% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | 24.2% |
Somerset Federal Credit Union has the higher TellerScore (78 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Somerset Federal Credit Union leads on 6 and Holyoke Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.