Side-by-side · Q2 2026 data
Orange Bank & Trust Company vs Sing Sing Employees Federal Credit Union
Credit union
Sing Sing Employees Federal Credit Union
Briarcliff Mano, New York · Under $100 million in assets
Metric by metric
| Measure | Orange Bank & Trust Company | Sing Sing Employees Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 73 |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 63 (stronger) | 58 |
| Earnings | 95 (stronger) | 18 |
| Funding & liquidity | 31 | 100 (stronger) |
| Problem-loan coverage | 87 | 94 (stronger) |
| Peer percentile | 70th | 47th |
| Total assets | $2.8B | $11.0M |
| Deposits / shares | $2.4B | $9.3M |
| Capital ratio | 13.15% | 15.56% (stronger) |
| Problem loans | 1.12% (stronger) | 1.26% |
| Net charge-offs | 0.05% (stronger) | 6.78% |
| Return on assets | 1.88% (stronger) | -0.05% |
| Loans ÷ deposits | 79.6% | 43.2% (stronger) |
| Uninsured deposits | 60.8% | 0.0% (stronger) |
| Offices | 16 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.5% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Orange Bank & Trust Company leads on 3 and Sing Sing Employees Federal Credit Union on 3. 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.