Side-by-side · Q2 2026 data
Buffalo Federal Bank vs Cit-Co Federal Credit Union
Metric by metric
| Measure | Buffalo Federal Bank | Cit-Co Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 80 (stronger) |
| Capital cushion | 54 | 54 |
| Loan quality | 78 | 83 (stronger) |
| Earnings | 72 | 100 (stronger) |
| Funding & liquidity | 70 | 92 (stronger) |
| Problem-loan coverage | 90 | 94 (stronger) |
| Peer percentile | 43rd | 65th |
| Total assets | $202.6M | $32.9M |
| Deposits / shares | $175.9M | $29.4M |
| Capital ratio | 10.38% | 10.40% (stronger) |
| Problem loans | 0.67% | 0.51% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.12% |
| Return on assets | 1.31% | 4.50% (stronger) |
| Loans ÷ deposits | 85.6% | 68.7% (stronger) |
| Uninsured deposits | 18.9% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Cit-Co Federal Credit Union has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Buffalo Federal Bank leads on 1 and Cit-Co Federal Credit Union on 6. 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.