Side-by-side · Q2 2026 data
First National Bank of Scotia vs Hudson River Community Federal Credit Union
Credit union
Hudson River Community Federal Credit Union
Corinth, New York · $100 million – $1 billion
Metric by metric
| Measure | First National Bank of Scotia | Hudson River Community Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 77 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 50 | 61 (stronger) |
| Earnings | 49 | 66 (stronger) |
| Funding & liquidity | 78 (stronger) | 67 |
| Problem-loan coverage | 79 | 87 (stronger) |
| Peer percentile | 11th | 71st |
| Total assets | $719.0M | $364.2M |
| Deposits / shares | $632.0M | $304.9M |
| Capital ratio | 9.22% | 15.29% (stronger) |
| Problem loans | 1.50% | 1.17% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.29% |
| Return on assets | 0.74% | 1.15% (stronger) |
| Loans ÷ deposits | 80.9% (stronger) | 93.4% |
| Uninsured deposits | 16.4% | 7.7% (stronger) |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.8% | — |
Hudson River Community Federal Credit Union has the higher TellerScore (77 vs 55). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Scotia leads on 2 and Hudson River Community Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.