Side-by-side · Q2 2026 data
Bank of Richmondville vs First New York Federal Credit Union
Metric by metric
| Measure | Bank of Richmondville | First New York Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 63 |
| Capital cushion | 65 (stronger) | 44 |
| Loan quality | 94 (stronger) | 84 |
| Earnings | 48 (stronger) | 40 |
| Funding & liquidity | 99 (stronger) | 79 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 68th | 29th |
| Total assets | $185.9M | $574.0M |
| Deposits / shares | $166.4M | $521.0M |
| Capital ratio | 11.54% (stronger) | 9.39% |
| Problem loans | 0.18% (stronger) | 0.48% |
| Net charge-offs | 0.04% (stronger) | 0.25% |
| Return on assets | 0.70% (stronger) | 0.51% |
| Loans ÷ deposits | 50.1% (stronger) | 81.5% |
| Uninsured deposits | 16.3% | 2.1% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | — |
Bank of Richmondville has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Bank of Richmondville leads on 6 and First New York Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.