Side-by-side · Q2 2026 data
Next Step Federal Credit Union vs Hudson River Community Federal Credit Union
Credit union
Hudson River Community Federal Credit Union
Corinth, New York · $100 million – $1 billion
Metric by metric
| Measure | Next Step Federal Credit Union | Hudson River Community Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 77 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 43 | 61 (stronger) |
| Earnings | 68 (stronger) | 66 |
| Funding & liquidity | 100 (stronger) | 67 |
| Problem-loan coverage | 88 (stronger) | 87 |
| Peer percentile | 29th | 71st |
| Total assets | $107.6M | $364.2M |
| Deposits / shares | $98.9M | $304.9M |
| Capital ratio | 10.07% | 15.29% (stronger) |
| Problem loans | 1.72% | 1.17% (stronger) |
| Net charge-offs | 0.33% | 0.29% (stronger) |
| Return on assets | 1.20% (stronger) | 1.15% |
| Loans ÷ deposits | 36.8% (stronger) | 93.4% |
| Uninsured deposits | 3.5% (stronger) | 7.7% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hudson River Community Federal Credit Union has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Next Step Federal Credit Union leads on 3 and Hudson River Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.