Side-by-side · Q2 2026 data
Buffalo Conrail Federal Credit Union vs Saint John a M E Federal Credit Union
Credit union
Buffalo Conrail Federal Credit Union
Cheektowaga, New York · Under $100 million in assets
Credit union
Saint John a M E Federal Credit Union
Niagara Falls, New York · Under $100 million in assets
Metric by metric
| Measure | Buffalo Conrail Federal Credit Union | Saint John a M E Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 79 |
| Capital cushion | 100 | 100 |
| Loan quality | 94 (stronger) | 75 |
| Earnings | 88 (stronger) | 41 |
| Funding & liquidity | 67 | 83 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 90th | 62nd |
| Total assets | $61.0M | $189K |
| Deposits / shares | $47.1M | $159K |
| Capital ratio | 22.26% (stronger) | 15.75% |
| Problem loans | 0.17% (stronger) | 0.74% |
| Net charge-offs | 0.18% | 0.00% (stronger) |
| Return on assets | 1.69% (stronger) | 0.52% |
| Loans ÷ deposits | 93.2% | 77.4% (stronger) |
| Uninsured deposits | 3.9% | 0.0% (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 79). On the 7 directional measures above (where higher or lower is clearly better), Buffalo Conrail Federal Credit Union leads on 4 and Saint John a M E Federal Credit Union on 3. 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.