Side-by-side · Q2 2026 data
The Andovers Federal Credit Union vs Billerica Municipal Employees Credit Union
Credit union
The Andovers Federal Credit Union
Andover, Massachusetts · Under $100 million in assets
Credit union
Billerica Municipal Employees Credit Union
Billerica, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | The Andovers Federal Credit Union | Billerica Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 81 | 91 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 78 | 100 (stronger) |
| Earnings | 60 (stronger) | 56 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 68th | 90th |
| Total assets | $36.9M | $23.6M |
| Deposits / shares | $32.0M | $19.2M |
| Capital ratio | 13.21% | 17.76% (stronger) |
| Problem loans | 0.67% | 0.00% (stronger) |
| Net charge-offs | 0.28% | 0.06% (stronger) |
| Return on assets | 1.00% (stronger) | 0.89% |
| Loans ÷ deposits | 23.5% (stronger) | 32.1% |
| Uninsured deposits | 4.2% | 2.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Billerica Municipal Employees Credit Union has the higher TellerScore (91 vs 81). On the 7 directional measures above (where higher or lower is clearly better), The Andovers Federal Credit Union leads on 2 and Billerica Municipal Employees Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.