Side-by-side · Q2 2026 data
NY Firefighters Bravest Federal Credit Union vs U. H. S. Employees Federal Credit Union
Credit union
NY Firefighters Bravest Federal Credit Union
Albany, New York · Under $100 million in assets
Credit union
U. H. S. Employees Federal Credit Union
Johnson City, New York · Under $100 million in assets
Metric by metric
| Measure | NY Firefighters Bravest Federal Credit Union | U. H. S. Employees Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 72 (stronger) |
| Capital cushion | 70 (stronger) | 57 |
| Loan quality | 86 (stronger) | 65 |
| Earnings | 43 | 75 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 42nd | 44th |
| Total assets | $24.5M | $25.6M |
| Deposits / shares | $22.6M | $22.7M |
| Capital ratio | 12.04% (stronger) | 10.66% |
| Problem loans | 0.42% (stronger) | 1.05% |
| Net charge-offs | 0.15% | -0.02% (stronger) |
| Return on assets | 0.58% | 1.38% (stronger) |
| Loans ÷ deposits | 90.2% | 53.6% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U. H. S. Employees Federal Credit Union has the higher TellerScore (72 vs 71). On the 6 directional measures above (where higher or lower is clearly better), NY Firefighters Bravest Federal Credit Union leads on 2 and U. H. S. Employees Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.