Side-by-side · Q2 2026 data
Adirondack Regional Federal Credit Union vs St. Pius X Church Federal Credit Union
Credit union
Adirondack Regional Federal Credit Union
Tupper Lake, New York · Under $100 million in assets
Credit union
St. Pius X Church Federal Credit Union
Rochester, New York · Under $100 million in assets
Metric by metric
| Measure | Adirondack Regional Federal Credit Union | St. Pius X Church Federal Credit Union |
|---|---|---|
| TellerScore | 48 (stronger) | 45 |
| Capital cushion | 45 | 49 (stronger) |
| Loan quality | 29 (stronger) | 15 |
| Earnings | 62 (stronger) | 34 |
| Funding & liquidity | 100 (stronger) | 90 |
| Problem-loan coverage | 0 | 67 (stronger) |
| Peer percentile | 7th | 5th |
| Total assets | $88.3M | $97.5M |
| Deposits / shares | $79.8M | $87.9M |
| Capital ratio | 9.52% | 9.87% (stronger) |
| Problem loans | 2.14% (stronger) | 2.54% |
| Net charge-offs | 0.90% | 0.46% (stronger) |
| Return on assets | 1.04% (stronger) | 0.35% |
| Loans ÷ deposits | 58.0% (stronger) | 70.7% |
| Uninsured deposits | 0.8% (stronger) | 14.8% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Adirondack Regional Federal Credit Union has the higher TellerScore (48 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Adirondack Regional Federal Credit Union leads on 5 and St. Pius X Church Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.