Side-by-side · Q2 2026 data
Buffalo Conrail Federal Credit Union vs Alliance Niagara Federal Credit Union
Credit union
Buffalo Conrail Federal Credit Union
Cheektowaga, New York · Under $100 million in assets
Credit union
Alliance Niagara Federal Credit Union
Sanborn, New York · Under $100 million in assets
Metric by metric
| Measure | Buffalo Conrail Federal Credit Union | Alliance Niagara Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 50 |
| Capital cushion | 100 (stronger) | 28 |
| Loan quality | 94 (stronger) | 40 |
| Earnings | 88 (stronger) | 38 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 90th | 9th |
| Total assets | $61.0M | $24.1M |
| Deposits / shares | $47.1M | $22.2M |
| Capital ratio | 22.26% (stronger) | 7.79% |
| Problem loans | 0.17% (stronger) | 1.81% |
| Net charge-offs | 0.18% (stronger) | 0.27% |
| Return on assets | 1.69% (stronger) | 0.44% |
| Loans ÷ deposits | 93.2% | 34.2% (stronger) |
| Uninsured deposits | 3.9% | 3.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Buffalo Conrail Federal Credit Union has the higher TellerScore (91 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Buffalo Conrail Federal Credit Union leads on 5 and Alliance Niagara Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.