Side-by-side · Q2 2026 data
Somerset Federal Credit Union vs Sharon & Crescent United Credit Union
Credit union
Sharon & Crescent United Credit Union
Sharon, Massachusetts · $1 billion – $10 billion
Metric by metric
| Measure | Somerset Federal Credit Union | Sharon & Crescent United Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 76 |
| Capital cushion | 75 | 78 (stronger) |
| Loan quality | 94 (stronger) | 86 |
| Earnings | 48 | 55 (stronger) |
| Funding & liquidity | 85 (stronger) | 70 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 74th | 79th |
| Total assets | $263.3M | $1.4B |
| Deposits / shares | $232.8M | $1.1B |
| Capital ratio | 12.51% | 12.83% (stronger) |
| Problem loans | 0.19% (stronger) | 0.43% |
| Net charge-offs | -0.00% (stronger) | 0.05% |
| Return on assets | 0.69% | 0.88% (stronger) |
| Loans ÷ deposits | 74.8% (stronger) | 90.7% |
| Uninsured deposits | 8.1% (stronger) | 14.2% |
| Offices | 1 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | 14.2% |
Somerset Federal Credit Union has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Somerset Federal Credit Union leads on 5 and Sharon & Crescent United Credit Union on 2. 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.