Side-by-side · Q2 2026 data
Buffalo Metropolitan Federal Credit Union vs Crossroads Community Federal Credit Union
Credit union
Buffalo Metropolitan Federal Credit Union
Buffalo, New York · $100 million – $1 billion
Credit union
Crossroads Community Federal Credit Union
Cheektowaga, New York · Under $100 million in assets
Metric by metric
| Measure | Buffalo Metropolitan Federal Credit Union | Crossroads Community Federal Credit Union |
|---|---|---|
| TellerScore | 44 | 95 (stronger) |
| Capital cushion | 74 | 100 (stronger) |
| Loan quality | 0 | 94 (stronger) |
| Earnings | 30 | 81 (stronger) |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 51 | 99 (stronger) |
| Peer percentile | 2nd | 96th |
| Total assets | $143.9M | $96.9M |
| Deposits / shares | $128.5M | $82.0M |
| Capital ratio | 12.39% | 15.27% (stronger) |
| Problem loans | 3.69% | 0.18% (stronger) |
| Net charge-offs | 0.48% | 0.42% (stronger) |
| Return on assets | 0.24% | 1.53% (stronger) |
| Loans ÷ deposits | 91.8% | 26.6% (stronger) |
| Uninsured deposits | 1.5% (stronger) | 3.7% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 29.6% |
Crossroads Community Federal Credit Union has the higher TellerScore (95 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Buffalo Metropolitan Federal Credit Union leads on 1 and Crossroads Community Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.