This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
Clarence, NY
Health score
82.0
Total assets
$49.2M
Credit union
WATERTOWN, NY
Health score
72.0
Total assets
$48.7M
Answer first
NORTH TOWNS leads on financial health and capitalization and profitability and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
NORTH TOWNS
Higher TFS health score
Capitalization
NORTH TOWNS
Higher comparable capital ratio
Profitability
NORTH TOWNS
Higher return on assets
Lending quality
NORTH TOWNS
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | NORTH TOWNS | STATE CS EMPLOYEES |
|---|---|---|
| TFS health score | 82.0/100Leads | 72.0/100 |
| Total assets | $49.2M | $48.7M |
| Total deposits / shares | $44.4M | $44.1M |
| Net worth ratio | 9.61%Leads | 9.01% |
| Return on assets | 1.51%Leads | 0.96% |
| Return on equity | 15.75%Leads |
NORTH TOWNS
2 branches
STATE CS EMPLOYEES
2 branches
Both institutions report branches in 1 state: NY.
NORTH TOWNS
Unavailable
STATE CS EMPLOYEES
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
NORTH TOWNS
0 in TFS registry
STATE CS EMPLOYEES
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 10.66% |
| 60+ day delinquency | 0.28%Leads | 0.54% |
| Net charge-offs | -0.02%Leads | 0.49% |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 64.68% | 83.39% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 2 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |