Side-by-side · Q2 2026 data
Saint Lawrence Federal Credit Union vs Tct 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 | Tct Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 61 |
| Capital cushion | 65 (stronger) | 44 |
| Loan quality | 82 (stronger) | 78 |
| Earnings | 53 (stronger) | 34 |
| Funding & liquidity | 81 (stronger) | 80 |
| Problem-loan coverage | 93 (stronger) | 90 |
| Peer percentile | 57th | 24th |
| Total assets | $272.3M | $295.6M |
| Deposits / shares | $239.3M | $267.3M |
| Capital ratio | 11.47% (stronger) | 9.45% |
| Problem loans | 0.54% (stronger) | 0.65% |
| Net charge-offs | 0.08% (stronger) | 0.22% |
| Return on assets | 0.82% (stronger) | 0.34% |
| Loans ÷ deposits | 79.5% (stronger) | 80.5% |
| Uninsured deposits | 3.0% (stronger) | 7.6% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.0% |
Saint Lawrence Federal Credit Union has the higher TellerScore (72 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Saint Lawrence Federal Credit Union leads on 7 and Tct Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.