Side-by-side · Q2 2026 data
The North Country Savings Bank vs Adirondack Regional Federal Credit Union
Credit union
Adirondack Regional Federal Credit Union
Tupper Lake, New York · Under $100 million in assets
Metric by metric
| Measure | The North Country Savings Bank | Adirondack Regional Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 48 |
| Capital cushion | 95 (stronger) | 45 |
| Loan quality | 73 (stronger) | 29 |
| Earnings | 72 (stronger) | 62 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 90 (stronger) | 0 |
| Peer percentile | 72nd | 7th |
| Total assets | $373.5M | $88.3M |
| Deposits / shares | $296.6M | $79.8M |
| Capital ratio | 14.53% (stronger) | 9.52% |
| Problem loans | 0.82% (stronger) | 2.14% |
| Net charge-offs | 0.04% (stronger) | 0.90% |
| Return on assets | 1.30% (stronger) | 1.04% |
| Loans ÷ deposits | 106.0% | 58.0% (stronger) |
| Uninsured deposits | 4.6% | 0.8% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The North Country Savings Bank has the higher TellerScore (78 vs 48). On the 7 directional measures above (where higher or lower is clearly better), The North Country Savings Bank leads on 5 and Adirondack Regional Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Plattsburgh, NY
- Potsdam, NY
- Tupper Lake, NY