Side-by-side · Q2 2026 data
NBT Bank, National Association vs Sidney Federal Credit Union
Metric by metric
| Measure | NBT Bank, National Association | Sidney Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 67 (stronger) |
| Capital cushion | 45 | 55 (stronger) |
| Loan quality | 82 (stronger) | 72 |
| Earnings | 68 | 69 (stronger) |
| Funding & liquidity | 44 | 70 (stronger) |
| Problem-loan coverage | 93 (stronger) | 86 |
| Peer percentile | 46th | 47th |
| Total assets | $16.1B | $1.3B |
| Deposits / shares | $13.7B | $1.1B |
| Capital ratio | 9.49% | 10.50% (stronger) |
| Problem loans | 0.55% (stronger) | 0.85% |
| Net charge-offs | 0.16% (stronger) | 0.57% |
| Return on assets | 1.21% | 1.23% (stronger) |
| Loans ÷ deposits | 85.8% (stronger) | 90.1% |
| Uninsured deposits | 42.5% | 6.9% (stronger) |
| Offices | 174 | 10 |
| CFPB complaints (3 yrs) | 127 | — |
| Complaints per $1B deposits | 9.3 | — |
| Mortgage denial rate (HMDA) | 23.4% | 13.9% |
Sidney Federal Credit Union has the higher TellerScore (67 vs 64). On the 7 directional measures above (where higher or lower is clearly better), NBT Bank, National Association leads on 3 and Sidney 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
- Oneonta, NY
- Bainbridge, NY
- Greene, NY
- Hancock, NY
- Sidney, NY