Side-by-side · Q2 2026 data
Affinity One Federal Credit Union vs Southern Chautauqua Federal Credit Union
Credit union
Affinity One Federal Credit Union
Jamestown, New York · Under $100 million in assets
Credit union
Southern Chautauqua Federal Credit Union
Lakewood, New York · $100 million – $1 billion
Metric by metric
| Measure | Affinity One Federal Credit Union | Southern Chautauqua Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 78 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 96 (stronger) | 46 |
| Earnings | 30 | 85 (stronger) |
| Funding & liquidity | 98 (stronger) | 74 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 44th | 74th |
| Total assets | $45.7M | $163.1M |
| Deposits / shares | $41.4M | $134.8M |
| Capital ratio | 10.81% | 17.58% (stronger) |
| Problem loans | 0.12% (stronger) | 1.61% |
| Net charge-offs | 0.06% (stronger) | 0.63% |
| Return on assets | 0.25% | 1.62% (stronger) |
| Loans ÷ deposits | 62.2% (stronger) | 85.9% |
| Uninsured deposits | 0.6% (stronger) | 5.3% |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Chautauqua Federal Credit Union has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Affinity One Federal Credit Union leads on 4 and Southern Chautauqua Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.