Side-by-side · Q2 2026 data
Upstate Telco Federal Credit Union vs First Choice Financial Federal Credit Union
Credit union
Upstate Telco Federal Credit Union
Gloversville, New York · Under $100 million in assets
Credit union
First Choice Financial Federal Credit Union
Gloversville, New York · $100 million – $1 billion
Metric by metric
| Measure | Upstate Telco Federal Credit Union | First Choice Financial Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 81 |
| Loan quality | 91 (stronger) | 43 |
| Earnings | 30 | 64 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 75th | 57th |
| Total assets | $4.3M | $183.7M |
| Deposits / shares | $3.6M | $161.7M |
| Capital ratio | 16.06% (stronger) | 13.05% |
| Problem loans | 0.28% (stronger) | 1.70% |
| Net charge-offs | -0.10% (stronger) | 0.57% |
| Return on assets | 0.26% | 1.11% (stronger) |
| Loans ÷ deposits | 29.8% (stronger) | 56.1% |
| Uninsured deposits | 0.0% (stronger) | 4.9% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Upstate Telco Federal Credit Union has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Upstate Telco Federal Credit Union leads on 6 and First Choice Financial Federal Credit Union on 1. 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.
Where both have branches
- Gloversville, NY