Side-by-side · Q2 2026 data
TrustCo Bank vs Troy Federal Credit Union
Metric by metric
| Measure | TrustCo Bank | Troy Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 80 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 87 | 89 (stronger) |
| Earnings | 61 (stronger) | 25 |
| Funding & liquidity | 59 | 89 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 27th | 65th |
| Total assets | $6.5B | $3.7M |
| Deposits / shares | $5.7B | $3.1M |
| Capital ratio | 8.38% | 15.79% (stronger) |
| Problem loans | 0.40% | 0.33% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.04% (stronger) | 0.13% |
| Loans ÷ deposits | 93.7% | 71.7% (stronger) |
| Uninsured deposits | 22.0% | 0.0% (stronger) |
| Offices | 133 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.5% | — |
Troy Federal Credit Union has the higher TellerScore (80 vs 62). On the 7 directional measures above (where higher or lower is clearly better), TrustCo Bank leads on 2 and Troy Federal Credit Union on 5. 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.