Side-by-side · Q2 2026 data
Massena Savings and Loan vs Saint Lawrence Federal Credit Union
Credit union
Saint Lawrence Federal Credit Union
Ogdensburg, New York · $100 million – $1 billion
Metric by metric
| Measure | Massena Savings and Loan | Saint Lawrence Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 57 | 82 (stronger) |
| Earnings | 63 (stronger) | 53 |
| Funding & liquidity | 50 | 81 (stronger) |
| Problem-loan coverage | 83 | 93 (stronger) |
| Peer percentile | 53rd | 57th |
| Total assets | $199.9M | $272.3M |
| Deposits / shares | $148.2M | $239.3M |
| Capital ratio | 15.15% (stronger) | 11.47% |
| Problem loans | 1.30% | 0.54% (stronger) |
| Net charge-offs | 0.11% | 0.08% (stronger) |
| Return on assets | 1.09% (stronger) | 0.82% |
| Loans ÷ deposits | 121.7% | 79.5% (stronger) |
| Uninsured deposits | 12.8% | 3.0% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Massena Savings and Loan has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Massena Savings and Loan leads on 3 and Saint Lawrence Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.