Side-by-side · Q2 2026 data
Italo-American Federal Credit Union vs Spencerport Federal Credit Union
Credit union
Italo-American Federal Credit Union
Glendale, New York · Under $100 million in assets
Credit union
Spencerport Federal Credit Union
Spencerport, New York · Under $100 million in assets
Metric by metric
| Measure | Italo-American Federal Credit Union | Spencerport Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 70 |
| Capital cushion | 96 (stronger) | 43 |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 74 (stronger) | 60 |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 85th | 40th |
| Total assets | $42.4M | $43.1M |
| Deposits / shares | $35.9M | $39.0M |
| Capital ratio | 14.61% (stronger) | 9.27% |
| Problem loans | 0.00% (stronger) | 0.49% |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 1.35% (stronger) | 0.99% |
| Loans ÷ deposits | 98.0% | 57.6% (stronger) |
| Uninsured deposits | 16.9% | 0.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Italo-American Federal Credit Union has the higher TellerScore (88 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Italo-American Federal Credit Union leads on 5 and Spencerport Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.