Side-by-side · Q2 2026 data
Community Resource Federal Credit Union vs Troy Federal Credit Union
Credit union
Community Resource Federal Credit Union
Latham, New York · $100 million – $1 billion
Metric by metric
| Measure | Community Resource Federal Credit Union | Troy Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 80 (stronger) |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 72 | 89 (stronger) |
| Earnings | 35 (stronger) | 25 |
| Funding & liquidity | 67 | 89 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 34th | 65th |
| Total assets | $120.3M | $3.7M |
| Deposits / shares | $105.8M | $3.1M |
| Capital ratio | 12.06% | 15.79% (stronger) |
| Problem loans | 0.83% | 0.33% (stronger) |
| Net charge-offs | 0.35% | 0.00% (stronger) |
| Return on assets | 0.37% (stronger) | 0.13% |
| Loans ÷ deposits | 93.7% | 71.7% (stronger) |
| Uninsured deposits | 7.0% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.2% | — |
Troy Federal Credit Union has the higher TellerScore (80 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Community Resource Federal Credit Union leads on 1 and Troy Federal Credit Union on 6. 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.