Side-by-side · Q2 2026 data
Adirondack Regional Federal Credit Union vs Western New York Federal Credit Union
Credit union
Adirondack Regional Federal Credit Union
Tupper Lake, New York · Under $100 million in assets
Credit union
Western New York Federal Credit Union
West Seneca, New York · Under $100 million in assets
Metric by metric
| Measure | Adirondack Regional Federal Credit Union | Western New York Federal Credit Union |
|---|---|---|
| TellerScore | 48 | 79 (stronger) |
| Capital cushion | 45 | 65 (stronger) |
| Loan quality | 29 | 89 (stronger) |
| Earnings | 62 | 63 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 0 | 97 (stronger) |
| Peer percentile | 7th | 62nd |
| Total assets | $88.3M | $92.6M |
| Deposits / shares | $79.8M | $81.5M |
| Capital ratio | 9.52% | 11.47% (stronger) |
| Problem loans | 2.14% | 0.33% (stronger) |
| Net charge-offs | 0.90% | 0.22% (stronger) |
| Return on assets | 1.04% | 1.07% (stronger) |
| Loans ÷ deposits | 58.0% (stronger) | 58.7% |
| Uninsured deposits | 0.8% (stronger) | 2.6% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Western New York Federal Credit Union has the higher TellerScore (79 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Adirondack Regional Federal Credit Union leads on 2 and Western New York Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.