Side-by-side · Q2 2026 data
The Adirondack Trust Company vs Parks Heritage Federal Credit Union
Credit union
Parks Heritage Federal Credit Union
Glens Falls, New York · Under $100 million in assets
Metric by metric
| Measure | The Adirondack Trust Company | Parks Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 90 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 85 | 91 (stronger) |
| Earnings | 58 | 66 (stronger) |
| Funding & liquidity | 64 | 94 (stronger) |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 53rd | 89th |
| Total assets | $1.7B | $42.3M |
| Deposits / shares | $1.5B | $35.3M |
| Capital ratio | 10.49% | 16.62% (stronger) |
| Problem loans | 0.44% | 0.28% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.26% |
| Return on assets | 0.95% | 1.15% (stronger) |
| Loans ÷ deposits | 68.1% | 65.8% (stronger) |
| Uninsured deposits | 40.4% | 3.1% (stronger) |
| Offices | 13 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.3% | — |
Parks Heritage Federal Credit Union has the higher TellerScore (90 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Adirondack Trust Company leads on 1 and Parks Heritage Federal Credit Union on 6. 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.