Side-by-side · Q2 2026 data
NBT Bank, National Association vs Visions Federal Credit Union
Metric by metric
| Measure | NBT Bank, National Association | Visions Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 64 |
| Capital cushion | 45 | 50 (stronger) |
| Loan quality | 82 (stronger) | 70 |
| Earnings | 68 (stronger) | 44 |
| Funding & liquidity | 44 | 89 (stronger) |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 46th | 36th |
| Total assets | $16.1B | $5.5B |
| Deposits / shares | $13.7B | $4.9B |
| Capital ratio | 9.49% | 10.00% (stronger) |
| Problem loans | 0.55% (stronger) | 0.89% |
| Net charge-offs | 0.16% (stronger) | 0.36% |
| Return on assets | 1.21% (stronger) | 0.59% |
| Loans ÷ deposits | 85.8% | 71.5% (stronger) |
| Uninsured deposits | 42.5% | 9.9% (stronger) |
| Offices | 174 | 22 |
| CFPB complaints (3 yrs) | 127 | — |
| Complaints per $1B deposits | 9.3 | — |
| Mortgage denial rate (HMDA) | 23.4% | 32.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), NBT Bank, National Association leads on 3 and Visions Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Binghamton, NY
- Norwich, NY
- Endicott, NY
- Johnson City, NY
- Newark Valley, NY
- Syracuse, NY
- Vestal, NY
- Cortland, NY
- Rochester, NY