Side-by-side · Q2 2026 data
Spencerport Federal Credit Union vs N Y Team Federal Credit Union
Credit union
Spencerport Federal Credit Union
Spencerport, New York · Under $100 million in assets
Credit union
N Y Team Federal Credit Union
Ronkonkoma, New York · Under $100 million in assets
Metric by metric
| Measure | Spencerport Federal Credit Union | N Y Team Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 55 |
| Capital cushion | 43 (stronger) | 21 |
| Loan quality | 84 (stronger) | 71 |
| Earnings | 60 (stronger) | 49 |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 94 (stronger) | 83 |
| Peer percentile | 40th | 15th |
| Total assets | $43.1M | $43.5M |
| Deposits / shares | $39.0M | $40.5M |
| Capital ratio | 9.27% (stronger) | 7.12% |
| Problem loans | 0.49% (stronger) | 0.87% |
| Net charge-offs | 0.25% (stronger) | 0.77% |
| Return on assets | 0.99% (stronger) | 0.72% |
| Loans ÷ deposits | 57.6% (stronger) | 73.7% |
| Uninsured deposits | 0.4% (stronger) | 1.8% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spencerport Federal Credit Union has the higher TellerScore (70 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Spencerport Federal Credit Union leads on 7 and N Y Team Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.