Side-by-side · Q2 2026 data
Troy Federal Credit Union vs Schenectady County Employees Federal Credit Union
Credit union
Schenectady County Employees Federal Credit Union
Schenectady, New York · Under $100 million in assets
Metric by metric
| Measure | Troy Federal Credit Union | Schenectady County Employees Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 23 |
| Loan quality | 89 (stronger) | 69 |
| Earnings | 25 | 40 (stronger) |
| Funding & liquidity | 89 | 92 (stronger) |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 65th | 13th |
| Total assets | $3.7M | $5.6M |
| Deposits / shares | $3.1M | $5.2M |
| Capital ratio | 15.79% (stronger) | 7.29% |
| Problem loans | 0.33% (stronger) | 0.93% |
| Net charge-offs | 0.00% (stronger) | 0.35% |
| Return on assets | 0.13% | 0.51% (stronger) |
| Loans ÷ deposits | 71.7% | 67.9% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Troy Federal Credit Union has the higher TellerScore (80 vs 54). On the 6 directional measures above (where higher or lower is clearly better), Troy Federal Credit Union leads on 4 and Schenectady County Employees Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.