Side-by-side · Q2 2026 data
Buffalo Conrail Federal Credit Union vs Oswego Teachers Employees Federal Credit Union
Credit union
Buffalo Conrail Federal Credit Union
Cheektowaga, New York · Under $100 million in assets
Credit union
Oswego Teachers Employees Federal Credit Union
Oswego, New York · Under $100 million in assets
Metric by metric
| Measure | Buffalo Conrail Federal Credit Union | Oswego Teachers Employees Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 67 |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 88 (stronger) | 25 |
| Funding & liquidity | 67 | 84 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 90th | 47th |
| Total assets | $61.0M | $59.1M |
| Deposits / shares | $47.1M | $51.8M |
| Capital ratio | 22.26% (stronger) | 11.73% |
| Problem loans | 0.17% | 0.00% (stronger) |
| Net charge-offs | 0.18% | 0.03% (stronger) |
| Return on assets | 1.69% (stronger) | 0.11% |
| Loans ÷ deposits | 93.2% | 76.5% (stronger) |
| Uninsured deposits | 3.9% (stronger) | 9.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Buffalo Conrail Federal Credit Union has the higher TellerScore (91 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Buffalo Conrail Federal Credit Union leads on 4 and Oswego Teachers Employees Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.