Side-by-side · Q2 2026 data
First Source Federal Credit Union vs Beginnings Credit Union
Credit union
First Source Federal Credit Union
New Hartford, New York · $1 billion – $10 billion
Metric by metric
| Measure | First Source Federal Credit Union | Beginnings Credit Union |
|---|---|---|
| TellerScore | 59 | 77 (stronger) |
| Capital cushion | 53 | 90 (stronger) |
| Loan quality | 66 | 77 (stronger) |
| Earnings | 54 (stronger) | 49 |
| Funding & liquidity | 54 | 78 (stronger) |
| Problem-loan coverage | 80 | 93 (stronger) |
| Peer percentile | 22nd | 82nd |
| Total assets | $1.1B | $1.5B |
| Deposits / shares | $999.1M | $1.3B |
| Capital ratio | 10.29% | 14.01% (stronger) |
| Problem loans | 1.03% | 0.69% (stronger) |
| Net charge-offs | 0.81% | 0.39% (stronger) |
| Return on assets | 0.85% (stronger) | 0.73% |
| Loans ÷ deposits | 105.9% | 82.3% (stronger) |
| Uninsured deposits | 3.3% (stronger) | 9.2% |
| Offices | 4 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Beginnings Credit Union has the higher TellerScore (77 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First Source Federal Credit Union leads on 2 and Beginnings Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.