Side-by-side · Q2 2026 data
Solutions Federal Credit Union vs Spencerport Federal Credit Union
Credit union
Spencerport Federal Credit Union
Spencerport, New York · Under $100 million in assets
Metric by metric
| Measure | Solutions Federal Credit Union | Spencerport Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 70 |
| Capital cushion | 76 (stronger) | 43 |
| Loan quality | 90 (stronger) | 84 |
| Earnings | 63 (stronger) | 60 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 72nd | 40th |
| Total assets | $43.4M | $43.1M |
| Deposits / shares | $37.7M | $39.0M |
| Capital ratio | 12.55% (stronger) | 9.27% |
| Problem loans | 0.30% (stronger) | 0.49% |
| Net charge-offs | 0.44% | 0.25% (stronger) |
| Return on assets | 1.07% (stronger) | 0.99% |
| Loans ÷ deposits | 47.4% (stronger) | 57.6% |
| Uninsured deposits | 7.0% | 0.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Solutions Federal Credit Union has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Solutions Federal Credit Union leads on 5 and Spencerport Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.