Side-by-side · Q2 2026 data
Tewksbury Federal Credit Union vs Billerica Municipal Employees Credit Union
Credit union
Tewksbury Federal Credit Union
Tewksbury, Massachusetts · $100 million – $1 billion
Credit union
Billerica Municipal Employees Credit Union
Billerica, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Tewksbury Federal Credit Union | Billerica Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 70 | 91 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 45 | 56 (stronger) |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 51st | 90th |
| Total assets | $100.7M | $23.6M |
| Deposits / shares | $91.4M | $19.2M |
| Capital ratio | 10.29% | 17.76% (stronger) |
| Problem loans | 0.47% | 0.00% (stronger) |
| Net charge-offs | 0.29% | 0.06% (stronger) |
| Return on assets | 0.63% | 0.89% (stronger) |
| Loans ÷ deposits | 62.9% | 32.1% (stronger) |
| Uninsured deposits | 8.9% | 2.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.1% | — |
Billerica Municipal Employees Credit Union has the higher TellerScore (91 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Tewksbury Federal Credit Union leads on 0 and Billerica Municipal Employees Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.