Side-by-side · Q2 2026 data
Coopers Cave Federal Credit Union vs Local 804 Federal Credit Union
Credit union
Coopers Cave Federal Credit Union
Glens Falls, New York · Under $100 million in assets
Credit union
Local 804 Federal Credit Union
Port Washington, New York · Under $100 million in assets
Metric by metric
| Measure | Coopers Cave Federal Credit Union | Local 804 Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 70 (stronger) |
| Capital cushion | 33 | 100 (stronger) |
| Loan quality | 73 (stronger) | 0 |
| Earnings | 51 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 92 (stronger) | 86 |
| Peer percentile | 26th | 40th |
| Total assets | $21.6M | $22.5M |
| Deposits / shares | $19.6M | $15.6M |
| Capital ratio | 8.26% | 30.73% (stronger) |
| Problem loans | 0.81% (stronger) | 3.71% |
| Net charge-offs | 0.12% (stronger) | 1.31% |
| Return on assets | 0.77% | 2.30% (stronger) |
| Loans ÷ deposits | 41.3% (stronger) | 86.6% |
| Uninsured deposits | 0.0% (stronger) | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Local 804 Federal Credit Union has the higher TellerScore (70 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Coopers Cave Federal Credit Union leads on 4 and Local 804 Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.