Side-by-side · Q2 2026 data
Saint Lawrence Federal Credit Union vs Ed-Med Federal Credit Union
Credit union
Saint Lawrence Federal Credit Union
Ogdensburg, New York · $100 million – $1 billion
Metric by metric
| Measure | Saint Lawrence Federal Credit Union | Ed-Med Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 76 (stronger) |
| Capital cushion | 65 | 75 (stronger) |
| Loan quality | 82 (stronger) | 64 |
| Earnings | 53 | 63 (stronger) |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 57th | 54th |
| Total assets | $272.3M | $34.7M |
| Deposits / shares | $239.3M | $30.3M |
| Capital ratio | 11.47% | 12.51% (stronger) |
| Problem loans | 0.54% (stronger) | 1.08% |
| Net charge-offs | 0.08% | -0.08% (stronger) |
| Return on assets | 0.82% | 1.07% (stronger) |
| Loans ÷ deposits | 79.5% | 42.2% (stronger) |
| Uninsured deposits | 3.0% | 1.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ed-Med Federal Credit Union has the higher TellerScore (76 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Saint Lawrence Federal Credit Union leads on 1 and Ed-Med Federal Credit Union on 6. 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.