Side-by-side · Q2 2026 data
Bank of Cattaraugus vs Southern Chautauqua Federal Credit Union
Credit union
Southern Chautauqua Federal Credit Union
Lakewood, New York · $100 million – $1 billion
Metric by metric
| Measure | Bank of Cattaraugus | Southern Chautauqua Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 78 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 61 (stronger) | 46 |
| Earnings | 64 | 85 (stronger) |
| Funding & liquidity | 94 (stronger) | 74 |
| Problem-loan coverage | 86 | 87 (stronger) |
| Peer percentile | 30th | 74th |
| Total assets | $31.0M | $163.1M |
| Deposits / shares | $27.4M | $134.8M |
| Capital ratio | 10.32% | 17.58% (stronger) |
| Problem loans | 1.16% (stronger) | 1.61% |
| Net charge-offs | 0.00% (stronger) | 0.63% |
| Return on assets | 1.10% | 1.62% (stronger) |
| Loans ÷ deposits | 64.0% (stronger) | 85.9% |
| Uninsured deposits | 16.8% | 5.3% (stronger) |
| 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 67). On the 7 directional measures above (where higher or lower is clearly better), Bank of Cattaraugus leads on 3 and Southern Chautauqua Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.