Side-by-side · Q2 2026 data
Empirt 207 Federal Credit Union vs Upstate Telco Federal Credit Union
Credit union
Empirt 207 Federal Credit Union
New York, 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 | Empirt 207 Federal Credit Union | Upstate Telco Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 84 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 39 (stronger) | 30 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 19th | 75th |
| Total assets | $3.6M | $4.3M |
| Deposits / shares | $2.5M | $3.6M |
| Capital ratio | 30.28% (stronger) | 16.06% |
| Problem loans | 3.22% | 0.28% (stronger) |
| Net charge-offs | 1.19% | -0.10% (stronger) |
| Return on assets | 0.48% (stronger) | 0.26% |
| Loans ÷ deposits | 83.7% | 29.8% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Upstate Telco Federal Credit Union has the higher TellerScore (84 vs 58). On the 6 directional measures above (where higher or lower is clearly better), Empirt 207 Federal Credit Union leads on 2 and Upstate Telco Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.