Side-by-side · Q2 2026 data
Ballston Spa National Bank vs Hudson River Community Federal Credit Union
Credit union
Hudson River Community Federal Credit Union
Corinth, New York · $100 million – $1 billion
Metric by metric
| Measure | Ballston Spa National Bank | Hudson River Community Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 77 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 92 (stronger) | 61 |
| Earnings | 24 | 66 (stronger) |
| Funding & liquidity | 42 | 67 (stronger) |
| Problem-loan coverage | 97 (stronger) | 87 |
| Peer percentile | 13th | 71st |
| Total assets | $1.4B | $364.2M |
| Deposits / shares | $1.2B | $304.9M |
| Capital ratio | 8.74% | 15.29% (stronger) |
| Problem loans | 0.23% (stronger) | 1.17% |
| Net charge-offs | 0.02% (stronger) | 0.29% |
| Return on assets | 0.09% | 1.15% (stronger) |
| Loans ÷ deposits | 91.1% (stronger) | 93.4% |
| Uninsured deposits | 39.8% | 7.7% (stronger) |
| Offices | 21 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Hudson River Community Federal Credit Union has the higher TellerScore (77 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Ballston Spa National Bank leads on 3 and Hudson River Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.