Side-by-side · Q2 2026 data
North Towns Federal Credit Union vs State Cs Employees Federal Credit Union
Credit union
North Towns Federal Credit Union
Clarence, New York · Under $100 million in assets
Credit union
State Cs Employees Federal Credit Union
Watertown, New York · Under $100 million in assets
Metric by metric
| Measure | North Towns Federal Credit Union | State Cs Employees Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 66 |
| Capital cushion | 45 (stronger) | 43 |
| Loan quality | 65 | 74 (stronger) |
| Earnings | 77 (stronger) | 74 |
| Funding & liquidity | 100 (stronger) | 73 |
| Problem-loan coverage | 88 (stronger) | 87 |
| Peer percentile | 38th | 32nd |
| Total assets | $51.7M | $49.4M |
| Deposits / shares | $46.7M | $44.7M |
| Capital ratio | 9.50% (stronger) | 9.30% |
| Problem loans | 1.06% | 0.77% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.20% |
| Return on assets | 1.43% (stronger) | 1.34% |
| Loans ÷ deposits | 60.7% (stronger) | 87.0% |
| Uninsured deposits | 4.8% (stronger) | 5.3% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
North Towns Federal Credit Union has the higher TellerScore (69 vs 66). On the 7 directional measures above (where higher or lower is clearly better), North Towns Federal Credit Union leads on 6 and State Cs Employees Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.