Side-by-side · Q2 2026 data
Somerville Mass Firefighters Federal Credit Union vs Harvard Federal Credit Union
Credit union
Somerville Mass Firefighters Federal Credit Union
Somerville, Massachusetts · Under $100 million in assets
Credit union
Harvard Federal Credit Union
Cambridge, Massachusetts · $1 billion – $10 billion
Metric by metric
| Measure | Somerville Mass Firefighters Federal Credit Union | Harvard Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 49 |
| Capital cushion | 100 (stronger) | 38 |
| Loan quality | 100 (stronger) | 62 |
| Earnings | 61 (stronger) | 31 |
| Funding & liquidity | 100 (stronger) | 51 |
| Problem-loan coverage | 100 (stronger) | 79 |
| Peer percentile | 92nd | 5th |
| Total assets | $7.4M | $1.2B |
| Deposits / shares | $6.0M | $922.7M |
| Capital ratio | 19.56% (stronger) | 8.81% |
| Problem loans | 0.00% (stronger) | 1.13% |
| Net charge-offs | 0.00% (stronger) | 0.44% |
| Return on assets | 1.03% (stronger) | 0.28% |
| Loans ÷ deposits | 50.4% (stronger) | 109.1% |
| Uninsured deposits | 3.1% (stronger) | 10.1% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Somerville Mass Firefighters Federal Credit Union has the higher TellerScore (92 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Somerville Mass Firefighters Federal Credit Union leads on 7 and Harvard Federal Credit Union on 0. 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.