Side-by-side · Q2 2026 data
Umassfive College Federal Credit Union vs Polish National Credit Union
Credit union
Umassfive College Federal Credit Union
Hadley, Massachusetts · $100 million – $1 billion
Metric by metric
| Measure | Umassfive College Federal Credit Union | Polish National Credit Union |
|---|---|---|
| TellerScore | 58 | 76 (stronger) |
| Capital cushion | 47 | 86 (stronger) |
| Loan quality | 66 | 94 (stronger) |
| Earnings | 41 | 41 |
| Funding & liquidity | 75 (stronger) | 56 |
| Problem-loan coverage | 84 | 98 (stronger) |
| Peer percentile | 16th | 68th |
| Total assets | $702.7M | $776.9M |
| Deposits / shares | $632.2M | $614.5M |
| Capital ratio | 9.67% | 13.58% (stronger) |
| Problem loans | 1.02% | 0.17% (stronger) |
| Net charge-offs | 0.28% | -0.04% (stronger) |
| Return on assets | 0.52% (stronger) | 0.52% |
| Loans ÷ deposits | 85.7% (stronger) | 104.4% |
| Uninsured deposits | 4.9% (stronger) | 8.3% |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.0% |
Polish National Credit Union has the higher TellerScore (76 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Umassfive College Federal Credit Union leads on 3 and Polish National Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.