Side-by-side · Q2 2026 data
Hudson River Community Federal Credit Union vs Directors Choice Credit Union
Credit union
Hudson River Community Federal Credit Union
Corinth, New York · $100 million – $1 billion
Metric by metric
| Measure | Hudson River Community Federal Credit Union | Directors Choice Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 67 |
| Capital cushion | 100 | 100 |
| Loan quality | 61 (stronger) | 0 |
| Earnings | 66 | 81 (stronger) |
| Funding & liquidity | 67 | 86 (stronger) |
| Problem-loan coverage | 87 (stronger) | 79 |
| Peer percentile | 71st | 34th |
| Total assets | $364.2M | $11.9M |
| Deposits / shares | $304.9M | $9.1M |
| Capital ratio | 15.29% | 23.60% (stronger) |
| Problem loans | 1.17% (stronger) | 4.58% |
| Net charge-offs | 0.29% (stronger) | 2.64% |
| Return on assets | 1.15% | 1.52% (stronger) |
| Loans ÷ deposits | 93.4% | 69.9% (stronger) |
| Uninsured deposits | 7.7% (stronger) | 18.6% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hudson River Community Federal Credit Union has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Hudson River Community Federal Credit Union leads on 4 and Directors Choice Credit Union on 3. 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.