Side-by-side · Q2 2026 data
Allegany First Federal Credit Union vs Tri-Lakes Federal Credit Union
Credit union
Allegany First Federal Credit Union
Fillmore, New York · Under $100 million in assets
Credit union
Tri-Lakes Federal Credit Union
Saranac Lake, New York · Under $100 million in assets
Metric by metric
| Measure | Allegany First Federal Credit Union | Tri-Lakes Federal Credit Union |
|---|---|---|
| TellerScore | 85 | 91 (stronger) |
| Capital cushion | 89 (stronger) | 85 |
| Loan quality | 65 | 99 (stronger) |
| Earnings | 89 (stronger) | 79 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 77th | 90th |
| Total assets | $27.1M | $28.7M |
| Deposits / shares | $23.3M | $24.6M |
| Capital ratio | 13.91% (stronger) | 13.54% |
| Problem loans | 1.06% | 0.03% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.69% |
| Return on assets | 1.73% (stronger) | 1.48% |
| Loans ÷ deposits | 31.5% (stronger) | 49.5% |
| Uninsured deposits | 0.0% (stronger) | 1.6% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tri-Lakes Federal Credit Union has the higher TellerScore (91 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Allegany First Federal Credit Union leads on 5 and Tri-Lakes Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.