Side-by-side · Q2 2026 data
I R E B Federal Credit Union vs Upstate Milk Employees Federal Credit Union
Credit union
Upstate Milk Employees Federal Credit Union
Lancaster, New York · Under $100 million in assets
Metric by metric
| Measure | I R E B Federal Credit Union | Upstate Milk Employees Federal Credit Union |
|---|---|---|
| TellerScore | 61 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 0 | 75 (stronger) |
| Earnings | 32 (stronger) | 0 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 91 | 95 (stronger) |
| Peer percentile | 23rd | 17th |
| Total assets | $2.6M | $2.5M |
| Deposits / shares | $2.1M | $2.2M |
| Capital ratio | 19.17% (stronger) | 9.62% |
| Problem loans | 8.08% | 0.74% (stronger) |
| Net charge-offs | 0.00% (stronger) | 5.83% |
| Return on assets | 0.29% (stronger) | -1.15% |
| Loans ÷ deposits | 13.5% (stronger) | 37.6% |
| Uninsured deposits | 0.0% (stronger) | 3.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
I R E B Federal Credit Union has the higher TellerScore (61 vs 57). On the 7 directional measures above (where higher or lower is clearly better), I R E B Federal Credit Union leads on 6 and Upstate Milk Employees Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.