Side-by-side · Q2 2026 data
Ballston Spa National Bank vs Troy Federal Credit Union
Metric by metric
| Measure | Ballston Spa National Bank | Troy Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 80 (stronger) |
| Capital cushion | 37 | 100 (stronger) |
| Loan quality | 92 (stronger) | 89 |
| Earnings | 24 | 25 (stronger) |
| Funding & liquidity | 42 | 89 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 13th | 65th |
| Total assets | $1.4B | $3.7M |
| Deposits / shares | $1.2B | $3.1M |
| Capital ratio | 8.74% | 15.79% (stronger) |
| Problem loans | 0.23% (stronger) | 0.33% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.09% | 0.13% (stronger) |
| Loans ÷ deposits | 91.1% | 71.7% (stronger) |
| Uninsured deposits | 39.8% | 0.0% (stronger) |
| Offices | 21 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Troy Federal Credit Union has the higher TellerScore (80 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Ballston Spa National Bank leads on 1 and Troy Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.