Side-by-side · Q2 2026 data
Carthage Savings and Loan, National Association vs Northern Federal Credit Union
Bank
Carthage Savings and Loan, National Association
Carthage, New York · $100 million – $1 billion
Credit union
Northern Federal Credit Union
Watertown, New York · $100 million – $1 billion
Metric by metric
| Measure | Carthage Savings and Loan, National Association | Northern Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 54 |
| Capital cushion | 79 (stronger) | 55 |
| Loan quality | 89 (stronger) | 56 |
| Earnings | 58 (stronger) | 26 |
| Funding & liquidity | 66 | 69 (stronger) |
| Problem-loan coverage | 97 (stronger) | 78 |
| Peer percentile | 68th | 10th |
| Total assets | $312.1M | $698.2M |
| Deposits / shares | $257.4M | $614.7M |
| Capital ratio | 12.86% (stronger) | 10.48% |
| Problem loans | 0.32% (stronger) | 1.32% |
| Net charge-offs | 0.01% (stronger) | 0.33% |
| Return on assets | 0.96% (stronger) | 0.15% |
| Loans ÷ deposits | 91.6% | 91.4% (stronger) |
| Uninsured deposits | 17.4% | 6.2% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.6% | — |
Carthage Savings and Loan, National Association has the higher TellerScore (77 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Carthage Savings and Loan, National Association leads on 5 and Northern Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.