Side-by-side · Q2 2026 data
Somerville Municipal Federal Credit Union vs Alpha Credit Union
Credit union
Somerville Municipal Federal Credit Union
Somerville, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Somerville Municipal Federal Credit Union | Alpha Credit Union |
|---|---|---|
| TellerScore | 89 | 97 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 84 | 95 (stronger) |
| Earnings | 65 | 99 (stronger) |
| Funding & liquidity | 100 (stronger) | 91 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 87th | 98th |
| Total assets | $49.0M | $35.1M |
| Deposits / shares | $39.5M | $28.2M |
| Capital ratio | 19.08% (stronger) | 18.78% |
| Problem loans | 0.48% | 0.14% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.06% |
| Return on assets | 1.12% | 1.97% (stronger) |
| Loans ÷ deposits | 60.7% (stronger) | 69.0% |
| Uninsured deposits | 7.6% | 0.9% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alpha Credit Union has the higher TellerScore (97 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Somerville Municipal Federal Credit Union leads on 3 and Alpha Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.