Side-by-side · Q2 2026 data
The North Country Savings Bank vs Saint Lawrence Federal Credit Union
Credit union
Saint Lawrence Federal Credit Union
Ogdensburg, New York · $100 million – $1 billion
Metric by metric
| Measure | The North Country Savings Bank | Saint Lawrence Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 72 |
| Capital cushion | 95 (stronger) | 65 |
| Loan quality | 73 | 82 (stronger) |
| Earnings | 72 (stronger) | 53 |
| Funding & liquidity | 54 | 81 (stronger) |
| Problem-loan coverage | 90 | 93 (stronger) |
| Peer percentile | 72nd | 57th |
| Total assets | $373.5M | $272.3M |
| Deposits / shares | $296.6M | $239.3M |
| Capital ratio | 14.53% (stronger) | 11.47% |
| Problem loans | 0.82% | 0.54% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.08% |
| Return on assets | 1.30% (stronger) | 0.82% |
| Loans ÷ deposits | 106.0% | 79.5% (stronger) |
| Uninsured deposits | 4.6% | 3.0% (stronger) |
| Offices | 8 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The North Country Savings Bank has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The North Country Savings Bank leads on 4 and Saint Lawrence Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Ogdensburg, NY
- Canton, NY