Side-by-side · Q2 2026 data
Winter Hill Bank, FSB vs Billerica Municipal Employees Credit Union
Credit union
Billerica Municipal Employees Credit Union
Billerica, Massachusetts · Under $100 million in assets
Metric by metric
| Measure | Winter Hill Bank, FSB | Billerica Municipal Employees Credit Union |
|---|---|---|
| TellerScore | 63 | 91 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 25 | 56 (stronger) |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 24th | 90th |
| Total assets | $407.9M | $23.6M |
| Deposits / shares | $299.3M | $19.2M |
| Capital ratio | 10.04% | 17.76% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 0.12% | 0.89% (stronger) |
| Loans ÷ deposits | 99.1% | 32.1% (stronger) |
| Uninsured deposits | 21.3% | 2.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.0% | — |
Billerica Municipal Employees Credit Union has the higher TellerScore (91 vs 63). On the 6 directional measures above (where higher or lower is clearly better), Winter Hill Bank, FSB leads on 1 and Billerica Municipal Employees Credit Union on 5. 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.