Side-by-side · Q2 2026 data
Corning Federal Credit Union vs Steuben Citizens Federal Credit Union
Credit union
Steuben Citizens Federal Credit Union
Bath, New York · Under $100 million in assets
Metric by metric
| Measure | Corning Federal Credit Union | Steuben Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 76 (stronger) |
| Capital cushion | 59 | 72 (stronger) |
| Loan quality | 85 | 97 (stronger) |
| Earnings | 53 (stronger) | 26 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 50th | 54th |
| Total assets | $2.8B | $35.8M |
| Deposits / shares | $2.5B | $30.6M |
| Capital ratio | 10.85% | 12.19% (stronger) |
| Problem loans | 0.45% | 0.09% (stronger) |
| Net charge-offs | 0.49% (stronger) | 2.32% |
| Return on assets | 0.83% (stronger) | 0.15% |
| Loans ÷ deposits | 95.8% | 30.9% (stronger) |
| Uninsured deposits | 13.1% | 1.4% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Steuben Citizens Federal Credit Union has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Corning Federal Credit Union leads on 2 and Steuben Citizens Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.