Side-by-side · Q2 2026 data
First Choice Financial Federal Credit Union vs Ulster Federal Credit Union
Credit union
First Choice Financial Federal Credit Union
Gloversville, New York · $100 million – $1 billion
Metric by metric
| Measure | First Choice Financial Federal Credit Union | Ulster Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 67 |
| Capital cushion | 81 (stronger) | 53 |
| Loan quality | 43 | 73 (stronger) |
| Earnings | 64 (stronger) | 45 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 57th | 41st |
| Total assets | $183.7M | $179.0M |
| Deposits / shares | $161.7M | $167.7M |
| Capital ratio | 13.05% (stronger) | 10.33% |
| Problem loans | 1.70% | 0.81% (stronger) |
| Net charge-offs | 0.57% | 0.25% (stronger) |
| Return on assets | 1.11% (stronger) | 0.62% |
| Loans ÷ deposits | 56.1% | 25.7% (stronger) |
| Uninsured deposits | 4.9% | 4.9% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Choice Financial Federal Credit Union has the higher TellerScore (72 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Choice Financial Federal Credit Union leads on 3 and Ulster Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.