Side-by-side · Q2 2026 data
Sing Sing Employees Federal Credit Union vs Directors Choice Credit Union
Credit union
Sing Sing Employees Federal Credit Union
Briarcliff Mano, New York · Under $100 million in assets
Metric by metric
| Measure | Sing Sing Employees Federal Credit Union | Directors Choice Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 67 |
| Capital cushion | 100 | 100 |
| Loan quality | 58 (stronger) | 0 |
| Earnings | 18 | 81 (stronger) |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 94 (stronger) | 79 |
| Peer percentile | 47th | 34th |
| Total assets | $11.0M | $11.9M |
| Deposits / shares | $9.3M | $9.1M |
| Capital ratio | 15.56% | 23.60% (stronger) |
| Problem loans | 1.26% (stronger) | 4.58% |
| Net charge-offs | 6.78% | 2.64% (stronger) |
| Return on assets | -0.05% | 1.52% (stronger) |
| Loans ÷ deposits | 43.2% (stronger) | 69.9% |
| Uninsured deposits | 0.0% (stronger) | 18.6% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sing Sing Employees Federal Credit Union has the higher TellerScore (73 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Sing Sing Employees Federal Credit Union leads on 4 and Directors Choice Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.