Side-by-side · Q2 2026 data
Somerville Municipal Federal Credit Union vs Southcoast Federal Credit Union
Credit union
Somerville Municipal Federal Credit Union
Somerville, Massachusetts · Under $100 million in assets
Credit union
Southcoast Federal Credit Union
New Bedford, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Somerville Municipal Federal Credit Union | Southcoast Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 84 | 91 (stronger) |
| Earnings | 65 (stronger) | 40 |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 87th | 49th |
| Total assets | $49.0M | $59.0M |
| Deposits / shares | $39.5M | $48.0M |
| Capital ratio | 19.08% (stronger) | 12.40% |
| Problem loans | 0.48% | 0.27% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.12% (stronger) | 0.50% |
| Loans ÷ deposits | 60.7% (stronger) | 76.3% |
| Uninsured deposits | 7.6% | 5.3% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.1% |
Somerville Municipal Federal Credit Union has the higher TellerScore (89 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Somerville Municipal Federal Credit Union leads on 4 and Southcoast Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.