Side-by-side · Q2 2026 data
Next Step Federal Credit Union vs Stratton Air National Guard Federal Credit Union
Credit union
Stratton Air National Guard Federal Credit Union
Scotia, New York · Under $100 million in assets
Metric by metric
| Measure | Next Step Federal Credit Union | Stratton Air National Guard Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 94 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 43 | 100 (stronger) |
| Earnings | 68 | 83 (stronger) |
| Funding & liquidity | 100 (stronger) | 82 |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 29th | 95th |
| Total assets | $107.6M | $920K |
| Deposits / shares | $98.9M | $558K |
| Capital ratio | 10.07% | 39.30% (stronger) |
| Problem loans | 1.72% | 0.00% (stronger) |
| Net charge-offs | 0.33% | 0.00% (stronger) |
| Return on assets | 1.20% | 1.57% (stronger) |
| Loans ÷ deposits | 36.8% (stronger) | 78.0% |
| Uninsured deposits | 3.5% | 0.0% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Stratton Air National Guard Federal Credit Union has the higher TellerScore (94 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Next Step Federal Credit Union leads on 1 and Stratton Air National Guard Federal Credit Union on 6. 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.