Side-by-side · Q2 2026 data
Spencer Savings Bank, SLA vs Scf Westchester N. Y. Employees Federal Credit Union
Credit union
Scf Westchester N. Y. Employees Federal Credit Union
White Plains, New York · Under $100 million in assets
Metric by metric
| Measure | Spencer Savings Bank, SLA | Scf Westchester N. Y. Employees Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 93 (stronger) |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 81 | 94 (stronger) |
| Earnings | 45 | 70 (stronger) |
| Funding & liquidity | 23 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 24th | 94th |
| Total assets | $4.0B | $1.5M |
| Deposits / shares | $3.0B | $1.2M |
| Capital ratio | 11.23% | 23.76% (stronger) |
| Problem loans | 0.58% | 0.18% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 0.63% | 1.26% (stronger) |
| Loans ÷ deposits | 107.4% | 36.6% (stronger) |
| Uninsured deposits | 41.6% | 0.0% (stronger) |
| Offices | 28 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.0% | — |
Scf Westchester N. Y. Employees Federal Credit Union has the higher TellerScore (93 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Spencer Savings Bank, SLA leads on 0 and Scf Westchester N. Y. Employees Federal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.