Side-by-side · Q2 2026 data
The National Bank of Middlebury vs Trailnorth Federal Credit Union
Credit union
Trailnorth Federal Credit Union
Ticonderoga, New York · $100 million – $1 billion
Metric by metric
| Measure | The National Bank of Middlebury | Trailnorth Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 66 |
| Capital cushion | 49 (stronger) | 48 |
| Loan quality | 95 (stronger) | 72 |
| Earnings | 60 (stronger) | 49 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 91 |
| Peer percentile | 57th | 37th |
| Total assets | $553.5M | $179.6M |
| Deposits / shares | $500.2M | $164.8M |
| Capital ratio | 9.86% (stronger) | 9.78% |
| Problem loans | 0.15% (stronger) | 0.84% |
| Net charge-offs | 0.01% (stronger) | 1.01% |
| Return on assets | 1.01% (stronger) | 0.73% |
| Loans ÷ deposits | 69.6% | 55.5% (stronger) |
| Uninsured deposits | 11.1% | 1.6% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | — |
The National Bank of Middlebury has the higher TellerScore (74 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The National Bank of Middlebury leads on 5 and Trailnorth Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.