Side-by-side · Q2 2026 data
Next Step Federal Credit Union vs Leatherstocking Region Federal Credit Union
Credit union
Leatherstocking Region Federal Credit Union
Cooperstown, New York · $100 million – $1 billion
Metric by metric
| Measure | Next Step Federal Credit Union | Leatherstocking Region Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 78 (stronger) |
| Capital cushion | 51 | 71 (stronger) |
| Loan quality | 43 | 77 (stronger) |
| Earnings | 68 | 72 (stronger) |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 88 | 93 (stronger) |
| Peer percentile | 29th | 74th |
| Total assets | $107.6M | $107.7M |
| Deposits / shares | $98.9M | $94.6M |
| Capital ratio | 10.07% | 12.06% (stronger) |
| Problem loans | 1.72% | 0.68% (stronger) |
| Net charge-offs | 0.33% (stronger) | 0.66% |
| Return on assets | 1.20% | 1.31% (stronger) |
| Loans ÷ deposits | 36.8% (stronger) | 67.5% |
| Uninsured deposits | 3.5% | 1.6% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Leatherstocking Region Federal Credit Union has the higher TellerScore (78 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Next Step Federal Credit Union leads on 2 and Leatherstocking Region Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.