Side-by-side · Q2 2026 data
Umassfive College Federal Credit Union vs Freedom Credit Union
Credit union
Umassfive College Federal Credit Union
Hadley, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Umassfive College Federal Credit Union | Freedom Credit Union |
|---|---|---|
| TellerScore | 58 | 66 (stronger) |
| Capital cushion | 47 | 93 (stronger) |
| Loan quality | 66 (stronger) | 40 |
| Earnings | 41 | 43 (stronger) |
| Funding & liquidity | 75 | 76 (stronger) |
| Problem-loan coverage | 84 (stronger) | 83 |
| Peer percentile | 16th | 37th |
| Total assets | $702.7M | $764.0M |
| Deposits / shares | $632.2M | $611.6M |
| Capital ratio | 9.67% | 14.26% (stronger) |
| Problem loans | 1.02% (stronger) | 1.81% |
| Net charge-offs | 0.28% | 0.05% (stronger) |
| Return on assets | 0.52% | 0.57% (stronger) |
| Loans ÷ deposits | 85.7% | 84.6% (stronger) |
| Uninsured deposits | 4.9% (stronger) | 10.1% |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freedom Credit Union has the higher TellerScore (66 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Umassfive College Federal Credit Union leads on 2 and Freedom Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.