Side-by-side · Q2 2026 data
Empire State Bank vs B.S. and C.P. Hospitals Employees Federal Credit Union
Credit union
B.S. and C.P. Hospitals Employees Federal Credit Union
Bronx, New York · Under $100 million in assets
Metric by metric
| Measure | Empire State Bank | B.S. and C.P. Hospitals Employees Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 93 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 70 | 100 (stronger) |
| Earnings | 52 | 100 (stronger) |
| Funding & liquidity | 50 | 50 |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 17th | 94th |
| Total assets | $617.8M | $1.0M |
| Deposits / shares | $511.6M | $667K |
| Capital ratio | 10.13% | 34.20% (stronger) |
| Problem loans | 0.91% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 0.80% | 2.52% (stronger) |
| Loans ÷ deposits | 102.9% (stronger) | 134.6% |
| Uninsured deposits | 21.4% | 0.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
B.S. and C.P. Hospitals Employees Federal Credit Union has the higher TellerScore (93 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Empire State Bank leads on 2 and B.S. and C.P. Hospitals Employees Federal Credit Union on 5. 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.