Side-by-side · Q2 2026 data
GS&L Municipal Bank vs Northern Federal Credit Union
Credit union
Northern Federal Credit Union
Watertown, New York · $100 million – $1 billion
Metric by metric
| Measure | GS&L Municipal Bank | Northern Federal Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 55 |
| Loan quality | 100 (stronger) | 56 |
| Earnings | 94 (stronger) | 26 |
| Funding & liquidity | 53 | 69 (stronger) |
| Problem-loan coverage | 100 (stronger) | 78 |
| Peer percentile | 92nd | 10th |
| Total assets | $31.6M | $698.2M |
| Deposits / shares | $16.0M | $614.7M |
| Capital ratio | 44.48% (stronger) | 10.48% |
| Problem loans | 0.00% (stronger) | 1.32% |
| Net charge-offs | 0.00% (stronger) | 0.33% |
| Return on assets | 1.85% (stronger) | 0.15% |
| Loans ÷ deposits | 0.0% (stronger) | 91.4% |
| Uninsured deposits | 57.2% | 6.2% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
GS&L Municipal Bank has the higher TellerScore (92 vs 54). On the 7 directional measures above (where higher or lower is clearly better), GS&L Municipal Bank leads on 6 and Northern Federal Credit Union on 1. 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.
Where both have branches
- Gouverneur, NY