Side-by-side · Q2 2026 data
The North Country Savings Bank vs Twin Rivers Federal Credit Union
Metric by metric
| Measure | The North Country Savings Bank | Twin Rivers Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 83 (stronger) |
| Capital cushion | 95 (stronger) | 81 |
| Loan quality | 73 | 93 (stronger) |
| Earnings | 72 (stronger) | 53 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 72nd | 72nd |
| Total assets | $373.5M | $39.2M |
| Deposits / shares | $296.6M | $35.2M |
| Capital ratio | 14.53% (stronger) | 13.07% |
| Problem loans | 0.82% | 0.22% (stronger) |
| Net charge-offs | 0.04% (stronger) | 1.19% |
| Return on assets | 1.30% (stronger) | 0.84% |
| Loans ÷ deposits | 106.0% | 45.8% (stronger) |
| Uninsured deposits | 4.6% | 3.1% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Twin Rivers Federal Credit Union has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), The North Country Savings Bank leads on 3 and Twin Rivers Federal Credit Union on 4. 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.
Where both have branches
- Massena, NY