Side-by-side · Q2 2026 data
Buffalo Metropolitan Federal Credit Union vs Oswego County Federal Credit Union
Credit union
Buffalo Metropolitan Federal Credit Union
Buffalo, New York · $100 million – $1 billion
Metric by metric
| Measure | Buffalo Metropolitan Federal Credit Union | Oswego County Federal Credit Union |
|---|---|---|
| TellerScore | 44 | 63 (stronger) |
| Capital cushion | 74 (stronger) | 71 |
| Loan quality | 0 | 31 (stronger) |
| Earnings | 30 | 70 (stronger) |
| Funding & liquidity | 68 | 82 (stronger) |
| Problem-loan coverage | 51 | 77 (stronger) |
| Peer percentile | 2nd | 29th |
| Total assets | $143.9M | $152.5M |
| Deposits / shares | $128.5M | $132.7M |
| Capital ratio | 12.39% (stronger) | 12.07% |
| Problem loans | 3.69% | 2.06% (stronger) |
| Net charge-offs | 0.48% | 0.39% (stronger) |
| Return on assets | 0.24% | 1.24% (stronger) |
| Loans ÷ deposits | 91.8% | 78.7% (stronger) |
| Uninsured deposits | 1.5% (stronger) | 3.8% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.8% |
Oswego County Federal Credit Union has the higher TellerScore (63 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Buffalo Metropolitan Federal Credit Union leads on 2 and Oswego County Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.