Side-by-side · Q2 2026 data
Upstate Telco Federal Credit Union vs Troy Federal Credit Union
Credit union
Upstate Telco Federal Credit Union
Gloversville, New York · Under $100 million in assets
Metric by metric
| Measure | Upstate Telco Federal Credit Union | Troy Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 80 |
| Capital cushion | 100 | 100 |
| Loan quality | 91 (stronger) | 89 |
| Earnings | 30 (stronger) | 25 |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 75th | 65th |
| Total assets | $4.3M | $3.7M |
| Deposits / shares | $3.6M | $3.1M |
| Capital ratio | 16.06% (stronger) | 15.79% |
| Problem loans | 0.28% (stronger) | 0.33% |
| Net charge-offs | -0.10% (stronger) | 0.00% |
| Return on assets | 0.26% (stronger) | 0.13% |
| Loans ÷ deposits | 29.8% (stronger) | 71.7% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Upstate Telco Federal Credit Union has the higher TellerScore (84 vs 80). On the 6 directional measures above (where higher or lower is clearly better), Upstate Telco Federal Credit Union leads on 6 and Troy Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.