Side-by-side · Q2 2026 data
Co-Operative Federal Credit Union vs Upstate Telco Federal Credit Union
Credit union
Co-Operative Federal Credit Union
Woodridge, New York · Under $100 million in assets
Credit union
Upstate Telco Federal Credit Union
Gloversville, New York · Under $100 million in assets
Metric by metric
| Measure | Co-Operative Federal Credit Union | Upstate Telco Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 84 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 64 | 91 (stronger) |
| Earnings | 7 | 30 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 44th | 75th |
| Total assets | $3.3M | $4.3M |
| Deposits / shares | $2.5M | $3.6M |
| Capital ratio | 23.20% (stronger) | 16.06% |
| Problem loans | 1.08% | 0.28% (stronger) |
| Net charge-offs | -0.65% (stronger) | -0.10% |
| Return on assets | -0.33% | 0.26% (stronger) |
| Loans ÷ deposits | 17.5% (stronger) | 29.8% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Upstate Telco Federal Credit Union has the higher TellerScore (84 vs 72). On the 6 directional measures above (where higher or lower is clearly better), Co-Operative Federal Credit Union leads on 3 and Upstate Telco Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.