Side-by-side · Q2 2026 data
Trailnorth Federal Credit Union vs First Choice Financial Federal Credit Union
Credit union
Trailnorth Federal Credit Union
Ticonderoga, New York · $100 million – $1 billion
Credit union
First Choice Financial Federal Credit Union
Gloversville, New York · $100 million – $1 billion
Metric by metric
| Measure | Trailnorth Federal Credit Union | First Choice Financial Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 72 (stronger) |
| Capital cushion | 48 | 81 (stronger) |
| Loan quality | 72 (stronger) | 43 |
| Earnings | 49 | 64 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 91 (stronger) | 87 |
| Peer percentile | 37th | 57th |
| Total assets | $179.6M | $183.7M |
| Deposits / shares | $164.8M | $161.7M |
| Capital ratio | 9.78% | 13.05% (stronger) |
| Problem loans | 0.84% (stronger) | 1.70% |
| Net charge-offs | 1.01% | 0.57% (stronger) |
| Return on assets | 0.73% | 1.11% (stronger) |
| Loans ÷ deposits | 55.5% (stronger) | 56.1% |
| Uninsured deposits | 1.6% (stronger) | 4.9% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Choice Financial Federal Credit Union has the higher TellerScore (72 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Trailnorth Federal Credit Union leads on 3 and First Choice Financial Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.