Side-by-side · Q2 2026 data
Tri-Lakes Federal Credit Union vs Americu Credit Union
Credit union
Tri-Lakes Federal Credit Union
Saranac Lake, New York · Under $100 million in assets
Metric by metric
| Measure | Tri-Lakes Federal Credit Union | Americu Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 48 |
| Capital cushion | 85 (stronger) | 46 |
| Loan quality | 99 (stronger) | 37 |
| Earnings | 79 (stronger) | 47 |
| Funding & liquidity | 100 (stronger) | 63 |
| Problem-loan coverage | 100 (stronger) | 65 |
| Peer percentile | 90th | 4th |
| Total assets | $28.7M | $3.0B |
| Deposits / shares | $24.6M | $2.7B |
| Capital ratio | 13.54% (stronger) | 9.56% |
| Problem loans | 0.03% (stronger) | 1.89% |
| Net charge-offs | 0.69% (stronger) | 0.95% |
| Return on assets | 1.48% (stronger) | 0.69% |
| Loans ÷ deposits | 49.5% (stronger) | 96.8% |
| Uninsured deposits | 1.6% (stronger) | 10.3% |
| Offices | 2 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.4% |
Tri-Lakes Federal Credit Union has the higher TellerScore (91 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Tri-Lakes Federal Credit Union leads on 7 and Americu Credit Union on 0. 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.