Side-by-side · Q2 2026 data
Rhinebeck Bank vs Ulster Federal Credit Union
Metric by metric
| Measure | Rhinebeck Bank | Ulster Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 67 |
| Capital cushion | 59 (stronger) | 53 |
| Loan quality | 87 (stronger) | 73 |
| Earnings | 53 (stronger) | 45 |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 53rd | 41st |
| Total assets | $1.5B | $179.0M |
| Deposits / shares | $1.3B | $167.7M |
| Capital ratio | 10.93% (stronger) | 10.33% |
| Problem loans | 0.38% (stronger) | 0.81% |
| Net charge-offs | 0.14% (stronger) | 0.25% |
| Return on assets | 0.82% (stronger) | 0.62% |
| Loans ÷ deposits | 70.5% | 25.7% (stronger) |
| Uninsured deposits | 36.5% | 4.9% (stronger) |
| Offices | 13 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | — |
Rhinebeck Bank has the higher TellerScore (69 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Rhinebeck Bank leads on 5 and Ulster Federal Credit Union on 2. 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.