Side-by-side · Q2 2026 data
Stewart'S Federal Credit Union vs Hudson River Community Federal Credit Union
Credit union
Stewart'S Federal Credit Union
Saratoga Spring, New York · Under $100 million in assets
Credit union
Hudson River Community Federal Credit Union
Corinth, New York · $100 million – $1 billion
Metric by metric
| Measure | Stewart'S Federal Credit Union | Hudson River Community Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 77 (stronger) |
| Capital cushion | 39 | 100 (stronger) |
| Loan quality | 73 (stronger) | 61 |
| Earnings | 55 | 66 (stronger) |
| Funding & liquidity | 71 (stronger) | 67 |
| Problem-loan coverage | 93 (stronger) | 87 |
| Peer percentile | 23rd | 71st |
| Total assets | $47.3M | $364.2M |
| Deposits / shares | $42.8M | $304.9M |
| Capital ratio | 8.87% | 15.29% (stronger) |
| Problem loans | 0.81% (stronger) | 1.17% |
| Net charge-offs | 0.84% | 0.29% (stronger) |
| Return on assets | 0.87% | 1.15% (stronger) |
| Loans ÷ deposits | 44.1% (stronger) | 93.4% |
| Uninsured deposits | 41.5% | 7.7% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hudson River Community Federal Credit Union has the higher TellerScore (77 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Stewart'S Federal Credit Union leads on 2 and Hudson River Community Federal Credit Union on 5. 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.