Side-by-side · Q2 2026 data
Local 41 I.B.E.W. Federal Credit Union vs Neighborhood Trust Federal Credit Union
Credit union
Local 41 I.B.E.W. Federal Credit Union
Orchard Park, New York · Under $100 million in assets
Credit union
Neighborhood Trust Federal Credit Union
New York, New York · Under $100 million in assets
Metric by metric
| Measure | Local 41 I.B.E.W. Federal Credit Union | Neighborhood Trust Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 65 |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 100 (stronger) | 56 |
| Earnings | 78 (stronger) | 22 |
| Funding & liquidity | 100 (stronger) | 50 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 85th | 30th |
| Total assets | $19.4M | $20.3M |
| Deposits / shares | $17.0M | $13.1M |
| Capital ratio | 12.41% | 27.93% (stronger) |
| Problem loans | 0.00% (stronger) | 1.32% |
| Net charge-offs | -0.05% (stronger) | 0.15% |
| Return on assets | 1.45% (stronger) | 0.06% |
| Loans ÷ deposits | 58.6% (stronger) | 115.8% |
| Uninsured deposits | 1.3% (stronger) | 3.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Local 41 I.B.E.W. Federal Credit Union has the higher TellerScore (88 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Local 41 I.B.E.W. Federal Credit Union leads on 6 and Neighborhood Trust Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.