Side-by-side · Q2 2026 data
Umassfive College Federal Credit Union vs I-C Federal Credit Union
Credit union
Umassfive College Federal Credit Union
Hadley, Massachusetts · $100 million – $1 billion
Credit union
I-C Federal Credit Union
Fitchburg, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Umassfive College Federal Credit Union | I-C Federal Credit Union |
|---|---|---|
| TellerScore | 58 (stronger) | 50 |
| Capital cushion | 47 (stronger) | 39 |
| Loan quality | 66 | 69 (stronger) |
| Earnings | 41 (stronger) | 9 |
| Funding & liquidity | 75 (stronger) | 72 |
| Problem-loan coverage | 84 (stronger) | 83 |
| Peer percentile | 16th | 6th |
| Total assets | $702.7M | $583.0M |
| Deposits / shares | $632.2M | $505.4M |
| Capital ratio | 9.67% (stronger) | 8.92% |
| Problem loans | 1.02% | 0.94% (stronger) |
| Net charge-offs | 0.28% (stronger) | 0.46% |
| Return on assets | 0.52% (stronger) | -0.27% |
| Loans ÷ deposits | 85.7% (stronger) | 88.2% |
| Uninsured deposits | 4.9% (stronger) | 6.2% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.2% |
Umassfive College Federal Credit Union has the higher TellerScore (58 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Umassfive College Federal Credit Union leads on 6 and I-C Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.