Side-by-side · Q2 2026 data
Amherst Federal Credit Union vs Spencerport Federal Credit Union
Credit union
Spencerport Federal Credit Union
Spencerport, New York · Under $100 million in assets
Metric by metric
| Measure | Amherst Federal Credit Union | Spencerport Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 70 (stronger) |
| Capital cushion | 53 (stronger) | 43 |
| Loan quality | 61 | 84 (stronger) |
| Earnings | 71 (stronger) | 60 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 89 | 94 (stronger) |
| Peer percentile | 38th | 40th |
| Total assets | $44.0M | $43.1M |
| Deposits / shares | $39.4M | $39.0M |
| Capital ratio | 10.25% (stronger) | 9.27% |
| Problem loans | 1.17% | 0.49% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.25% |
| Return on assets | 1.27% (stronger) | 0.99% |
| Loans ÷ deposits | 55.0% (stronger) | 57.6% |
| Uninsured deposits | 4.2% | 0.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Spencerport Federal Credit Union has the higher TellerScore (70 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Amherst Federal Credit Union leads on 4 and Spencerport Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.