Side-by-side · Q2 2026 data
Van Cortlandt Cooperative vs North Towns Federal Credit Union
Credit union
North Towns Federal Credit Union
Clarence, New York · Under $100 million in assets
Metric by metric
| Measure | Van Cortlandt Cooperative | North Towns Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 69 |
| Capital cushion | 72 (stronger) | 45 |
| Loan quality | 74 (stronger) | 65 |
| Earnings | 53 | 77 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 88 |
| Peer percentile | 52nd | 38th |
| Total assets | $54.6M | $51.7M |
| Deposits / shares | $47.8M | $46.7M |
| Capital ratio | 12.21% (stronger) | 9.50% |
| Problem loans | 0.78% (stronger) | 1.06% |
| Net charge-offs | 0.66% | 0.04% (stronger) |
| Return on assets | 0.81% | 1.43% (stronger) |
| Loans ÷ deposits | 27.9% (stronger) | 60.7% |
| Uninsured deposits | 7.3% | 4.8% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Van Cortlandt Cooperative has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Van Cortlandt Cooperative leads on 4 and North Towns Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.