Side-by-side · Q2 2026 data
St. Jean'S Credit Union vs Mass Bay Credit Union
Metric by metric
| Measure | St. Jean'S Credit Union | Mass Bay Credit Union |
|---|---|---|
| TellerScore | 63 (stronger) | 62 |
| Capital cushion | 48 | 65 (stronger) |
| Loan quality | 82 (stronger) | 70 |
| Earnings | 32 | 43 (stronger) |
| Funding & liquidity | 81 (stronger) | 50 |
| Problem-loan coverage | 92 (stronger) | 87 |
| Peer percentile | 29th | 26th |
| Total assets | $372.5M | $366.7M |
| Deposits / shares | $326.0M | $259.6M |
| Capital ratio | 9.84% | 11.46% (stronger) |
| Problem loans | 0.54% (stronger) | 0.89% |
| Net charge-offs | 0.15% | 0.03% (stronger) |
| Return on assets | 0.29% | 0.58% (stronger) |
| Loans ÷ deposits | 78.8% (stronger) | 117.5% |
| Uninsured deposits | 6.2% (stronger) | 9.3% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.7% | 41.3% |
St. Jean'S Credit Union has the higher TellerScore (63 vs 62). On the 7 directional measures above (where higher or lower is clearly better), St. Jean'S Credit Union leads on 4 and Mass Bay Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.