Side-by-side · Q2 2026 data
Cayuga Lake National Bank vs Finger Lakes Federal Credit Union
Credit union
Finger Lakes Federal Credit Union
Geneva, New York · $100 million – $1 billion
Metric by metric
| Measure | Cayuga Lake National Bank | Finger Lakes Federal Credit Union |
|---|---|---|
| TellerScore | 44 | 96 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 18 | 97 (stronger) |
| Earnings | 44 | 91 (stronger) |
| Funding & liquidity | 78 | 88 (stronger) |
| Problem-loan coverage | 64 | 99 (stronger) |
| Peer percentile | 4th | 99th |
| Total assets | $273.7M | $259.5M |
| Deposits / shares | $249.1M | $219.2M |
| Capital ratio | 9.30% | 15.05% (stronger) |
| Problem loans | 2.46% | 0.10% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.12% |
| Return on assets | 0.60% | 1.76% (stronger) |
| Loans ÷ deposits | 69.5% (stronger) | 72.0% |
| Uninsured deposits | 26.1% | 4.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.1% | 19.3% |
Finger Lakes Federal Credit Union has the higher TellerScore (96 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Cayuga Lake National Bank leads on 2 and Finger Lakes Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.