Side-by-side · Q2 2026 data
St. Michaels Fall River Federal Credit Union vs Worcester Credit Union
Credit union
St. Michaels Fall River Federal Credit Union
Fall River, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | St. Michaels Fall River Federal Credit Union | Worcester Credit Union |
|---|---|---|
| TellerScore | 48 | 71 (stronger) |
| Capital cushion | 43 | 68 (stronger) |
| Loan quality | 43 | 71 (stronger) |
| Earnings | 41 | 57 (stronger) |
| Funding & liquidity | 63 | 83 (stronger) |
| Problem-loan coverage | 67 | 90 (stronger) |
| Peer percentile | 4th | 54th |
| Total assets | $121.4M | $107.3M |
| Deposits / shares | $110.0M | $95.8M |
| Capital ratio | 9.25% | 11.75% (stronger) |
| Problem loans | 1.70% | 0.87% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.10% |
| Return on assets | 0.52% | 0.92% (stronger) |
| Loans ÷ deposits | 97.7% | 77.4% (stronger) |
| Uninsured deposits | 8.4% | 4.2% (stronger) |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 34.5% |
Worcester Credit Union has the higher TellerScore (71 vs 48). On the 7 directional measures above (where higher or lower is clearly better), St. Michaels Fall River Federal Credit Union leads on 1 and Worcester Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.