Side-by-side · Q2 2026 data
Syracuse Cooperative vs Beginnings Credit Union
Metric by metric
| Measure | Syracuse Cooperative | Beginnings Credit Union |
|---|---|---|
| TellerScore | 61 | 77 (stronger) |
| Capital cushion | 94 (stronger) | 90 |
| Loan quality | 0 | 77 (stronger) |
| Earnings | 100 (stronger) | 49 |
| Funding & liquidity | 59 | 78 (stronger) |
| Problem-loan coverage | 38 | 93 (stronger) |
| Peer percentile | 23rd | 82nd |
| Total assets | $47.2M | $1.5B |
| Deposits / shares | $38.4M | $1.3B |
| Capital ratio | 14.43% (stronger) | 14.01% |
| Problem loans | 5.24% | 0.69% (stronger) |
| Net charge-offs | 0.28% (stronger) | 0.39% |
| Return on assets | 3.22% (stronger) | 0.73% |
| Loans ÷ deposits | 101.7% | 82.3% (stronger) |
| Uninsured deposits | 13.9% | 9.2% (stronger) |
| Offices | 1 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Beginnings Credit Union has the higher TellerScore (77 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Syracuse Cooperative leads on 3 and Beginnings Credit Union on 4. 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.