Side-by-side · Q2 2026 data
Adirondack Regional Federal Credit Union vs Lufthansa Emp. Federal Credit Union
Credit union
Adirondack Regional Federal Credit Union
Tupper Lake, New York · Under $100 million in assets
Credit union
Lufthansa Emp. Federal Credit Union
Westbury, New York · Under $100 million in assets
Metric by metric
| Measure | Adirondack Regional Federal Credit Union | Lufthansa Emp. Federal Credit Union |
|---|---|---|
| TellerScore | 48 | 83 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 29 | 88 (stronger) |
| Earnings | 62 (stronger) | 36 |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 0 | 100 (stronger) |
| Peer percentile | 7th | 72nd |
| Total assets | $88.3M | $95.2M |
| Deposits / shares | $79.8M | $78.7M |
| Capital ratio | 9.52% | 17.44% (stronger) |
| Problem loans | 2.14% | 0.36% (stronger) |
| Net charge-offs | 0.90% | 0.06% (stronger) |
| Return on assets | 1.04% (stronger) | 0.41% |
| Loans ÷ deposits | 58.0% | 6.1% (stronger) |
| Uninsured deposits | 0.8% (stronger) | 24.8% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lufthansa Emp. Federal Credit Union has the higher TellerScore (83 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Adirondack Regional Federal Credit Union leads on 2 and Lufthansa Emp. Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.