Side-by-side · Q2 2026 data
Reliant Community Federal Credit Union vs Northern Federal Credit Union
Credit union
Reliant Community Federal Credit Union
Sodus, New York · $100 million – $1 billion
Credit union
Northern Federal Credit Union
Watertown, New York · $100 million – $1 billion
Metric by metric
| Measure | Reliant Community Federal Credit Union | Northern Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 54 |
| Capital cushion | 46 | 55 (stronger) |
| Loan quality | 88 (stronger) | 56 |
| Earnings | 56 (stronger) | 26 |
| Funding & liquidity | 84 (stronger) | 69 |
| Problem-loan coverage | 95 (stronger) | 78 |
| Peer percentile | 48th | 10th |
| Total assets | $788.4M | $698.2M |
| Deposits / shares | $697.5M | $614.7M |
| Capital ratio | 9.57% | 10.48% (stronger) |
| Problem loans | 0.36% (stronger) | 1.32% |
| Net charge-offs | 0.23% (stronger) | 0.33% |
| Return on assets | 0.90% (stronger) | 0.15% |
| Loans ÷ deposits | 76.5% (stronger) | 91.4% |
| Uninsured deposits | 5.6% (stronger) | 6.2% |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.9% | — |
Reliant Community Federal Credit Union has the higher TellerScore (69 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Reliant Community Federal Credit Union leads on 6 and Northern Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.