Side-by-side · Q2 2026 data
State Cs Employees Federal Credit Union vs Syracuse Cooperative
Credit union
State Cs Employees Federal Credit Union
Watertown, New York · Under $100 million in assets
Metric by metric
| Measure | State Cs Employees Federal Credit Union | Syracuse Cooperative |
|---|---|---|
| TellerScore | 66 (stronger) | 61 |
| Capital cushion | 43 | 94 (stronger) |
| Loan quality | 74 (stronger) | 0 |
| Earnings | 74 | 100 (stronger) |
| Funding & liquidity | 73 (stronger) | 59 |
| Problem-loan coverage | 87 (stronger) | 38 |
| Peer percentile | 32nd | 23rd |
| Total assets | $49.4M | $47.2M |
| Deposits / shares | $44.7M | $38.4M |
| Capital ratio | 9.30% | 14.43% (stronger) |
| Problem loans | 0.77% (stronger) | 5.24% |
| Net charge-offs | 0.20% (stronger) | 0.28% |
| Return on assets | 1.34% | 3.22% (stronger) |
| Loans ÷ deposits | 87.0% (stronger) | 101.7% |
| Uninsured deposits | 5.3% (stronger) | 13.9% |
| 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 5 and Syracuse Cooperative on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.