Side-by-side · Q2 2026 data
Community Bank, National Association 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 | Community Bank, National Association | Adirondack Regional Federal Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 48 |
| Capital cushion | 29 | 45 (stronger) |
| Loan quality | 83 (stronger) | 29 |
| Earnings | 68 (stronger) | 62 |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 93 (stronger) | 0 |
| Peer percentile | 35th | 7th |
| Total assets | $17.4B | $88.3M |
| Deposits / shares | $14.9B | $79.8M |
| Capital ratio | 7.86% | 9.52% (stronger) |
| Problem loans | 0.50% (stronger) | 2.14% |
| Net charge-offs | 0.11% (stronger) | 0.90% |
| Return on assets | 1.19% (stronger) | 1.04% |
| Loans ÷ deposits | 75.3% | 58.0% (stronger) |
| Uninsured deposits | 31.5% | 0.8% (stronger) |
| Offices | 198 | 4 |
| CFPB complaints (3 yrs) | 106 | — |
| Complaints per $1B deposits | 7.1 | — |
| Mortgage denial rate (HMDA) | 18.9% | — |
Community Bank, National Association has the higher TellerScore (62 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Community Bank, National Association 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.
Where both have branches
- Plattsburgh, NY
- Potsdam, NY
- Tupper Lake, NY