Side-by-side · Q2 2026 data
Umassfive College Federal Credit Union vs Align Credit Union
Credit union
Umassfive College Federal Credit Union
Hadley, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Umassfive College Federal Credit Union | Align Credit Union |
|---|---|---|
| TellerScore | 58 (stronger) | 45 |
| Capital cushion | 47 (stronger) | 37 |
| Loan quality | 66 (stronger) | 51 |
| Earnings | 41 (stronger) | 2 |
| Funding & liquidity | 75 | 85 (stronger) |
| Problem-loan coverage | 84 (stronger) | 77 |
| Peer percentile | 16th | 3rd |
| Total assets | $702.7M | $650.9M |
| Deposits / shares | $632.2M | $556.8M |
| Capital ratio | 9.67% (stronger) | 8.67% |
| Problem loans | 1.02% (stronger) | 1.46% |
| Net charge-offs | 0.28% | 0.14% (stronger) |
| Return on assets | 0.52% (stronger) | -0.45% |
| Loans ÷ deposits | 85.7% | 74.8% (stronger) |
| Uninsured deposits | 4.9% (stronger) | 10.0% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.2% |
Umassfive College Federal Credit Union has the higher TellerScore (58 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Umassfive College Federal Credit Union leads on 5 and Align Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.