Side-by-side · Q2 2026 data
Trailnorth Federal Credit Union vs Ulster Federal Credit Union
Credit union
Trailnorth Federal Credit Union
Ticonderoga, New York · $100 million – $1 billion
Metric by metric
| Measure | Trailnorth Federal Credit Union | Ulster Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 67 (stronger) |
| Capital cushion | 48 | 53 (stronger) |
| Loan quality | 72 | 73 (stronger) |
| Earnings | 49 (stronger) | 45 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 37th | 41st |
| Total assets | $179.6M | $179.0M |
| Deposits / shares | $164.8M | $167.7M |
| Capital ratio | 9.78% | 10.33% (stronger) |
| Problem loans | 0.84% | 0.81% (stronger) |
| Net charge-offs | 1.01% | 0.25% (stronger) |
| Return on assets | 0.73% (stronger) | 0.62% |
| Loans ÷ deposits | 55.5% | 25.7% (stronger) |
| Uninsured deposits | 1.6% (stronger) | 4.9% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ulster Federal Credit Union has the higher TellerScore (67 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Trailnorth Federal Credit Union leads on 2 and Ulster Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.