Side-by-side · Q2 2026 data
Alliance Niagara Federal Credit Union vs Local 804 Federal Credit Union
Credit union
Alliance Niagara Federal Credit Union
Sanborn, New York · Under $100 million in assets
Credit union
Local 804 Federal Credit Union
Port Washington, New York · Under $100 million in assets
Metric by metric
| Measure | Alliance Niagara Federal Credit Union | Local 804 Federal Credit Union |
|---|---|---|
| TellerScore | 50 | 70 (stronger) |
| Capital cushion | 28 | 100 (stronger) |
| Loan quality | 40 (stronger) | 0 |
| Earnings | 38 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 85 | 86 (stronger) |
| Peer percentile | 9th | 40th |
| Total assets | $24.1M | $22.5M |
| Deposits / shares | $22.2M | $15.6M |
| Capital ratio | 7.79% | 30.73% (stronger) |
| Problem loans | 1.81% (stronger) | 3.71% |
| Net charge-offs | 0.27% (stronger) | 1.31% |
| Return on assets | 0.44% | 2.30% (stronger) |
| Loans ÷ deposits | 34.2% (stronger) | 86.6% |
| Uninsured deposits | 3.1% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Local 804 Federal Credit Union has the higher TellerScore (70 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Alliance Niagara Federal Credit Union leads on 3 and Local 804 Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.