Side-by-side · Q2 2026 data
Access Federal Credit Union vs Saint Lawrence Federal Credit Union
Credit union
Saint Lawrence Federal Credit Union
Ogdensburg, New York · $100 million – $1 billion
Metric by metric
| Measure | Access Federal Credit Union | Saint Lawrence Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 72 (stronger) |
| Capital cushion | 44 | 65 (stronger) |
| Loan quality | 70 | 82 (stronger) |
| Earnings | 74 (stronger) | 53 |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 51st | 57th |
| Total assets | $320.1M | $272.3M |
| Deposits / shares | $287.6M | $239.3M |
| Capital ratio | 9.40% | 11.47% (stronger) |
| Problem loans | 0.89% | 0.54% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.08% |
| Return on assets | 1.35% (stronger) | 0.82% |
| Loans ÷ deposits | 53.5% (stronger) | 79.5% |
| Uninsured deposits | 7.0% | 3.0% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.4% | — |
Saint Lawrence Federal Credit Union has the higher TellerScore (72 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Access Federal Credit Union leads on 3 and Saint Lawrence Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.