Side-by-side · Q2 2026 data
The Pittsfield Co-operative Bank vs North Adams M E Federal Credit Union
Credit union
North Adams M E Federal Credit Union
North Adams, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | The Pittsfield Co-operative Bank | North Adams M E Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 53 |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 88 (stronger) | 0 |
| Earnings | 28 (stronger) | 0 |
| Funding & liquidity | 46 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 82 |
| Peer percentile | 40th | 12th |
| Total assets | $451.5M | $2.3M |
| Deposits / shares | $327.7M | $1.9M |
| Capital ratio | 13.41% | 17.92% (stronger) |
| Problem loans | 0.36% (stronger) | 3.36% |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 0.20% (stronger) | -0.99% |
| Loans ÷ deposits | 104.9% | 58.4% (stronger) |
| Uninsured deposits | 23.3% | 0.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.1% | — |
The Pittsfield Co-operative Bank has the higher TellerScore (69 vs 53). On the 7 directional measures above (where higher or lower is clearly better), The Pittsfield Co-operative Bank leads on 3 and North Adams M E Federal Credit Union on 4. 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.