Side-by-side · Q2 2026 data
Champlain National Bank vs Trailnorth Federal Credit Union
Credit union
Trailnorth Federal Credit Union
Ticonderoga, New York · $100 million – $1 billion
Metric by metric
| Measure | Champlain National Bank | Trailnorth Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 66 |
| Capital cushion | 59 (stronger) | 48 |
| Loan quality | 92 (stronger) | 72 |
| Earnings | 56 (stronger) | 49 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 91 |
| Peer percentile | 47th | 37th |
| Total assets | $497.1M | $179.6M |
| Deposits / shares | $443.9M | $164.8M |
| Capital ratio | 10.87% (stronger) | 9.78% |
| Problem loans | 0.25% (stronger) | 0.84% |
| Net charge-offs | 0.01% (stronger) | 1.01% |
| Return on assets | 0.90% (stronger) | 0.73% |
| Loans ÷ deposits | 72.7% | 55.5% (stronger) |
| Uninsured deposits | 37.5% | 1.6% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Champlain National Bank has the higher TellerScore (71 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Champlain National Bank leads on 5 and Trailnorth Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Elizabethtown, NY