Side-by-side · Q2 2026 data
Champlain National Bank vs Adirondack Regional Federal Credit Union
Credit union
Adirondack Regional Federal Credit Union
Tupper Lake, New York · Under $100 million in assets
Metric by metric
| Measure | Champlain National Bank | Adirondack Regional Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 48 |
| Capital cushion | 59 (stronger) | 45 |
| Loan quality | 92 (stronger) | 29 |
| Earnings | 56 | 62 (stronger) |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 0 |
| Peer percentile | 47th | 7th |
| Total assets | $497.1M | $88.3M |
| Deposits / shares | $443.9M | $79.8M |
| Capital ratio | 10.87% (stronger) | 9.52% |
| Problem loans | 0.25% (stronger) | 2.14% |
| Net charge-offs | 0.01% (stronger) | 0.90% |
| Return on assets | 0.90% | 1.04% (stronger) |
| Loans ÷ deposits | 72.7% | 58.0% (stronger) |
| Uninsured deposits | 37.5% | 0.8% (stronger) |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Champlain National Bank has the higher TellerScore (71 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Champlain National Bank leads on 4 and Adirondack Regional Federal Credit Union on 3. 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.