Side-by-side · Q2 2026 data
Schenectady County Employees Federal Credit Union vs Tri-County Federal Credit Union
Credit union
Schenectady County Employees Federal Credit Union
Schenectady, New York · Under $100 million in assets
Metric by metric
| Measure | Schenectady County Employees Federal Credit Union | Tri-County Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 75 (stronger) |
| Capital cushion | 23 | 100 (stronger) |
| Loan quality | 69 (stronger) | 49 |
| Earnings | 40 | 58 (stronger) |
| Funding & liquidity | 92 (stronger) | 81 |
| Problem-loan coverage | 84 | 91 (stronger) |
| Peer percentile | 13th | 52nd |
| Total assets | $5.6M | $5.0M |
| Deposits / shares | $5.2M | $3.9M |
| Capital ratio | 7.29% | 21.23% (stronger) |
| Problem loans | 0.93% (stronger) | 1.54% |
| Net charge-offs | 0.35% | -0.26% (stronger) |
| Return on assets | 0.51% | 0.95% (stronger) |
| Loans ÷ deposits | 67.9% (stronger) | 78.9% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tri-County Federal Credit Union has the higher TellerScore (75 vs 54). On the 6 directional measures above (where higher or lower is clearly better), Schenectady County Employees Federal Credit Union leads on 2 and Tri-County Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.