Side-by-side · Q2 2026 data
Saint Lawrence Federal Credit Union vs Finger Lakes Federal Credit Union
Credit union
Saint Lawrence Federal Credit Union
Ogdensburg, New York · $100 million – $1 billion
Credit union
Finger Lakes Federal Credit Union
Geneva, New York · $100 million – $1 billion
Metric by metric
| Measure | Saint Lawrence Federal Credit Union | Finger Lakes Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 96 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 82 | 97 (stronger) |
| Earnings | 53 | 91 (stronger) |
| Funding & liquidity | 81 | 88 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 57th | 99th |
| Total assets | $272.3M | $259.5M |
| Deposits / shares | $239.3M | $219.2M |
| Capital ratio | 11.47% | 15.05% (stronger) |
| Problem loans | 0.54% | 0.10% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.12% |
| Return on assets | 0.82% | 1.76% (stronger) |
| Loans ÷ deposits | 79.5% | 72.0% (stronger) |
| Uninsured deposits | 3.0% (stronger) | 4.0% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.3% |
Finger Lakes Federal Credit Union has the higher TellerScore (96 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Saint Lawrence Federal Credit Union leads on 2 and Finger Lakes Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.