Side-by-side · Q2 2026 data
Le Roy Federal Credit Union vs Spencerport Federal Credit Union
Credit union
Spencerport Federal Credit Union
Spencerport, New York · Under $100 million in assets
Metric by metric
| Measure | Le Roy Federal Credit Union | Spencerport Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 70 |
| Capital cushion | 64 (stronger) | 43 |
| Loan quality | 88 (stronger) | 84 |
| Earnings | 99 (stronger) | 60 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 80th | 40th |
| Total assets | $21.1M | $43.1M |
| Deposits / shares | $18.6M | $39.0M |
| Capital ratio | 11.44% (stronger) | 9.27% |
| Problem loans | 0.37% (stronger) | 0.49% |
| Net charge-offs | 0.86% | 0.25% (stronger) |
| Return on assets | 1.97% (stronger) | 0.99% |
| Loans ÷ deposits | 32.4% (stronger) | 57.6% |
| Uninsured deposits | 1.4% | 0.4% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Le Roy Federal Credit Union has the higher TellerScore (86 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Le Roy 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.