Side-by-side · Q2 2026 data
Symphony Federal Credit Union vs Billerica Municipal Employees Credit Union
Credit union
Billerica Municipal Employees Credit Union
Billerica, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Symphony Federal Credit Union | Billerica Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 26 | 91 (stronger) |
| Capital cushion | 31 | 100 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 18 | 56 (stronger) |
| Funding & liquidity | 88 | 100 (stronger) |
| Problem-loan coverage | 2 | 100 (stronger) |
| Peer percentile | 1st | 90th |
| Total assets | $2.2M | $23.6M |
| Deposits / shares | $2.0M | $19.2M |
| Capital ratio | 8.09% | 17.76% (stronger) |
| Problem loans | 6.21% | 0.00% (stronger) |
| Net charge-offs | 3.24% | 0.06% (stronger) |
| Return on assets | -0.04% | 0.89% (stronger) |
| Loans ÷ deposits | 72.4% | 32.1% (stronger) |
| Uninsured deposits | 8.6% | 2.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Billerica Municipal Employees Credit Union has the higher TellerScore (91 vs 26). On the 7 directional measures above (where higher or lower is clearly better), Symphony Federal Credit Union leads on 0 and Billerica Municipal Employees Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.