Side-by-side · Q2 2026 data
State Cs Employees Federal Credit Union vs Stewart'S Federal Credit Union
Credit union
State Cs Employees Federal Credit Union
Watertown, New York · Under $100 million in assets
Credit union
Stewart'S Federal Credit Union
Saratoga Spring, New York · Under $100 million in assets
Metric by metric
| Measure | State Cs Employees Federal Credit Union | Stewart'S Federal Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 61 |
| Capital cushion | 43 (stronger) | 39 |
| Loan quality | 74 (stronger) | 73 |
| Earnings | 74 (stronger) | 55 |
| Funding & liquidity | 73 (stronger) | 71 |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 32nd | 23rd |
| Total assets | $49.4M | $47.3M |
| Deposits / shares | $44.7M | $42.8M |
| Capital ratio | 9.30% (stronger) | 8.87% |
| Problem loans | 0.77% (stronger) | 0.81% |
| Net charge-offs | 0.20% (stronger) | 0.84% |
| Return on assets | 1.34% (stronger) | 0.87% |
| Loans ÷ deposits | 87.0% | 44.1% (stronger) |
| Uninsured deposits | 5.3% (stronger) | 41.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Cs Employees Federal Credit Union has the higher TellerScore (66 vs 61). On the 7 directional measures above (where higher or lower is clearly better), State Cs Employees Federal Credit Union leads on 6 and Stewart'S Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.