Side-by-side · Q2 2026 data
Amherst Federal Credit Union vs N Y Team Federal Credit Union
Credit union
N Y Team Federal Credit Union
Ronkonkoma, New York · Under $100 million in assets
Metric by metric
| Measure | Amherst Federal Credit Union | N Y Team Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 55 |
| Capital cushion | 53 (stronger) | 21 |
| Loan quality | 61 | 71 (stronger) |
| Earnings | 71 (stronger) | 49 |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 89 (stronger) | 83 |
| Peer percentile | 38th | 15th |
| Total assets | $44.0M | $43.5M |
| Deposits / shares | $39.4M | $40.5M |
| Capital ratio | 10.25% (stronger) | 7.12% |
| Problem loans | 1.17% | 0.87% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.77% |
| Return on assets | 1.27% (stronger) | 0.72% |
| Loans ÷ deposits | 55.0% (stronger) | 73.7% |
| Uninsured deposits | 4.2% | 1.8% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Amherst Federal Credit Union has the higher TellerScore (69 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Amherst Federal Credit Union leads on 5 and N Y Team Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.