Side-by-side · Q2 2026 data
Somerville Municipal Federal Credit Union vs Worcester Fire Dept. Credit Union
Credit union
Somerville Municipal Federal Credit Union
Somerville, Massachusetts · Under $100 million in assets
Credit union
Worcester Fire Dept. Credit Union
Worcester, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Somerville Municipal Federal Credit Union | Worcester Fire Dept. Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 84 (stronger) | 70 |
| Earnings | 65 (stronger) | 54 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 87th | 59th |
| Total assets | $49.0M | $47.1M |
| Deposits / shares | $39.5M | $40.9M |
| Capital ratio | 19.08% (stronger) | 13.18% |
| Problem loans | 0.48% (stronger) | 0.91% |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.12% (stronger) | 0.85% |
| Loans ÷ deposits | 60.7% | 25.0% (stronger) |
| Uninsured deposits | 7.6% (stronger) | 10.1% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Somerville Municipal Federal Credit Union has the higher TellerScore (89 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Somerville Municipal Federal Credit Union leads on 5 and Worcester Fire Dept. Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.