Side-by-side · Q2 2026 data
Island Federal Credit Union vs First Frontier Federal Credit Union
Credit union
First Frontier Federal Credit Union
Lynbrook, New York · Under $100 million in assets
Metric by metric
| Measure | Island Federal Credit Union | First Frontier Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 85 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 63 | 100 (stronger) |
| Earnings | 44 | 57 (stronger) |
| Funding & liquidity | 73 (stronger) | 60 |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 25th | 77th |
| Total assets | $1.3B | $470K |
| Deposits / shares | $1.1B | $381K |
| Capital ratio | 10.40% | 18.95% (stronger) |
| Problem loans | 1.10% | 0.00% (stronger) |
| Net charge-offs | 0.33% | 0.00% (stronger) |
| Return on assets | 0.60% | 0.91% (stronger) |
| Loans ÷ deposits | 87.3% (stronger) | 100.7% |
| Uninsured deposits | 12.5% | 0.0% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.6% | — |
First Frontier Federal Credit Union has the higher TellerScore (85 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Island Federal Credit Union leads on 1 and First Frontier Federal Credit Union on 6. 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.