Side-by-side · Q2 2026 data
Circuit Federal Credit Union vs Town of Cheektowaga Federal Credit Union
Credit union
Town of Cheektowaga Federal Credit Union
Cheektowaga, New York · Under $100 million in assets
Metric by metric
| Measure | Circuit Federal Credit Union | Town of Cheektowaga Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 95 (stronger) |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 12 | 73 (stronger) |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 42nd | 96th |
| Total assets | $11.5M | $38.1M |
| Deposits / shares | $9.9M | $31.6M |
| Capital ratio | 13.25% | 17.16% (stronger) |
| Problem loans | 0.39% | 0.00% (stronger) |
| Net charge-offs | -0.20% (stronger) | 0.03% |
| Return on assets | -0.19% | 1.33% (stronger) |
| Loans ÷ deposits | 75.3% | 40.5% (stronger) |
| Uninsured deposits | 2.3% (stronger) | 5.8% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Town of Cheektowaga Federal Credit Union has the higher TellerScore (95 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Circuit Federal Credit Union leads on 2 and Town of Cheektowaga Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.