Side-by-side · Q2 2026 data
The North Country Savings Bank vs Ed-Med Federal Credit Union
Metric by metric
| Measure | The North Country Savings Bank | Ed-Med Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 76 |
| Capital cushion | 95 (stronger) | 75 |
| Loan quality | 73 (stronger) | 64 |
| Earnings | 72 (stronger) | 63 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 90 | 94 (stronger) |
| Peer percentile | 72nd | 54th |
| Total assets | $373.5M | $34.7M |
| Deposits / shares | $296.6M | $30.3M |
| Capital ratio | 14.53% (stronger) | 12.51% |
| Problem loans | 0.82% (stronger) | 1.08% |
| Net charge-offs | 0.04% | -0.08% (stronger) |
| Return on assets | 1.30% (stronger) | 1.07% |
| Loans ÷ deposits | 106.0% | 42.2% (stronger) |
| Uninsured deposits | 4.6% | 1.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The North Country Savings Bank has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The North Country Savings Bank leads on 4 and Ed-Med Federal Credit Union on 3. 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.