Side-by-side · Q2 2026 data
NBT Financial Bank vs Datcu Credit Union
Metric by metric
| Measure | NBT Financial Bank | Datcu Credit Union |
|---|---|---|
| TellerScore | 50 | 89 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 24 | 96 (stronger) |
| Earnings | 72 | 83 (stronger) |
| Funding & liquidity | 35 | 55 (stronger) |
| Problem-loan coverage | 70 | 98 (stronger) |
| Peer percentile | 7th | 97th |
| Total assets | $618.7M | $1.8B |
| Deposits / shares | $540.1M | $1.5B |
| Capital ratio | 10.85% | 17.19% (stronger) |
| Problem loans | 2.29% | 0.13% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.69% |
| Return on assets | 1.29% | 1.57% (stronger) |
| Loans ÷ deposits | 83.8% (stronger) | 105.5% |
| Uninsured deposits | 51.8% | 5.0% (stronger) |
| Offices | 6 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.2% | — |
Datcu Credit Union has the higher TellerScore (89 vs 50). On the 7 directional measures above (where higher or lower is clearly better), NBT Financial Bank leads on 2 and Datcu Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.