Side-by-side · Q2 2026 data
Chen-Del-O Federal Credit Union vs Finger Lakes Health Care Federal Credit Union
Credit union
Chen-Del-O Federal Credit Union
Franklin, New York · Under $100 million in assets
Credit union
Finger Lakes Health Care Federal Credit Union
Elmira, New York · Under $100 million in assets
Metric by metric
| Measure | Chen-Del-O Federal Credit Union | Finger Lakes Health Care Federal Credit Union |
|---|---|---|
| TellerScore | 85 | 89 (stronger) |
| Capital cushion | 79 | 100 (stronger) |
| Loan quality | 84 | 99 (stronger) |
| Earnings | 78 (stronger) | 45 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 77th | 87th |
| Total assets | $34.9M | $35.2M |
| Deposits / shares | $30.4M | $29.7M |
| Capital ratio | 12.93% | 15.54% (stronger) |
| Problem loans | 0.48% | 0.02% (stronger) |
| Net charge-offs | 1.19% | 0.08% (stronger) |
| Return on assets | 1.44% (stronger) | 0.61% |
| Loans ÷ deposits | 28.9% | 25.8% (stronger) |
| Uninsured deposits | 2.6% (stronger) | 4.5% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Finger Lakes Health Care Federal Credit Union has the higher TellerScore (89 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Chen-Del-O Federal Credit Union leads on 2 and Finger Lakes Health Care Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.