Side-by-side · Q2 2026 data
Massena Savings and Loan vs Twin Rivers Federal Credit Union
Metric by metric
| Measure | Massena Savings and Loan | Twin Rivers Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 83 (stronger) |
| Capital cushion | 100 (stronger) | 81 |
| Loan quality | 57 | 93 (stronger) |
| Earnings | 63 (stronger) | 53 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 83 | 99 (stronger) |
| Peer percentile | 53rd | 72nd |
| Total assets | $199.9M | $39.2M |
| Deposits / shares | $148.2M | $35.2M |
| Capital ratio | 15.15% (stronger) | 13.07% |
| Problem loans | 1.30% | 0.22% (stronger) |
| Net charge-offs | 0.11% (stronger) | 1.19% |
| Return on assets | 1.09% (stronger) | 0.84% |
| Loans ÷ deposits | 121.7% | 45.8% (stronger) |
| Uninsured deposits | 12.8% | 3.1% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Twin Rivers Federal Credit Union has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Massena Savings and Loan leads on 3 and Twin Rivers Federal Credit Union on 4. 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.
Where both have branches
- Massena, NY