Side-by-side · Q2 2026 data
NBT Bank, National Association vs First Choice Financial Federal Credit Union
Credit union
First Choice Financial Federal Credit Union
Gloversville, New York · $100 million – $1 billion
Metric by metric
| Measure | NBT Bank, National Association | First Choice Financial Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 72 (stronger) |
| Capital cushion | 45 | 81 (stronger) |
| Loan quality | 82 (stronger) | 43 |
| Earnings | 68 (stronger) | 64 |
| Funding & liquidity | 44 | 100 (stronger) |
| Problem-loan coverage | 93 (stronger) | 87 |
| Peer percentile | 46th | 57th |
| Total assets | $16.1B | $183.7M |
| Deposits / shares | $13.7B | $161.7M |
| Capital ratio | 9.49% | 13.05% (stronger) |
| Problem loans | 0.55% (stronger) | 1.70% |
| Net charge-offs | 0.16% (stronger) | 0.57% |
| Return on assets | 1.21% (stronger) | 1.11% |
| Loans ÷ deposits | 85.8% | 56.1% (stronger) |
| Uninsured deposits | 42.5% | 4.9% (stronger) |
| Offices | 174 | 3 |
| CFPB complaints (3 yrs) | 127 | — |
| Complaints per $1B deposits | 9.3 | — |
| Mortgage denial rate (HMDA) | 23.4% | — |
First Choice Financial Federal Credit Union has the higher TellerScore (72 vs 64). On the 7 directional measures above (where higher or lower is clearly better), NBT Bank, National Association leads on 3 and First Choice Financial 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
- Gloversville, NY
- Broadalbin, NY