Side-by-side · Q2 2026 data
Trailnorth Federal Credit Union vs Ontario Shores Federal Credit Union
Credit union
Trailnorth Federal Credit Union
Ticonderoga, New York · $100 million – $1 billion
Credit union
Ontario Shores Federal Credit Union
Newfane, New York · $100 million – $1 billion
Metric by metric
| Measure | Trailnorth Federal Credit Union | Ontario Shores Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 68 (stronger) |
| Capital cushion | 48 | 57 (stronger) |
| Loan quality | 72 (stronger) | 61 |
| Earnings | 49 | 60 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 37th | 45th |
| Total assets | $179.6M | $208.4M |
| Deposits / shares | $164.8M | $185.0M |
| Capital ratio | 9.78% | 10.65% (stronger) |
| Problem loans | 0.84% (stronger) | 1.16% |
| Net charge-offs | 1.01% | 0.05% (stronger) |
| Return on assets | 0.73% | 0.99% (stronger) |
| Loans ÷ deposits | 55.5% | 50.2% (stronger) |
| Uninsured deposits | 1.6% (stronger) | 8.3% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ontario Shores Federal Credit Union has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Trailnorth Federal Credit Union leads on 2 and Ontario Shores Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.