Side-by-side · Q2 2026 data
Cattaraugus County Bank vs Southern Chautauqua Federal Credit Union
Credit union
Southern Chautauqua Federal Credit Union
Lakewood, New York · $100 million – $1 billion
Metric by metric
| Measure | Cattaraugus County Bank | Southern Chautauqua Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 78 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 42 | 46 (stronger) |
| Earnings | 48 | 85 (stronger) |
| Funding & liquidity | 95 (stronger) | 74 |
| Problem-loan coverage | 82 | 87 (stronger) |
| Peer percentile | 20th | 74th |
| Total assets | $384.7M | $163.1M |
| Deposits / shares | $338.2M | $134.8M |
| Capital ratio | 11.26% | 17.58% (stronger) |
| Problem loans | 1.73% | 1.61% (stronger) |
| Net charge-offs | 0.71% | 0.63% (stronger) |
| Return on assets | 0.71% | 1.62% (stronger) |
| Loans ÷ deposits | 63.6% (stronger) | 85.9% |
| Uninsured deposits | 16.4% | 5.3% (stronger) |
| Offices | 7 | 10 |
| CFPB complaints (3 yrs) | 93 | — |
| Complaints per $1B deposits | 275.0 | — |
| Mortgage denial rate (HMDA) | 10.0% | — |
Southern Chautauqua Federal Credit Union has the higher TellerScore (78 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Cattaraugus County Bank leads on 1 and Southern Chautauqua Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.