Side-by-side · Q2 2026 data
Crossroads Community Federal Credit Union vs Local 41 I.B.E.W. Federal Credit Union
Credit union
Crossroads Community Federal Credit Union
Cheektowaga, New York · Under $100 million in assets
Credit union
Local 41 I.B.E.W. Federal Credit Union
Orchard Park, New York · Under $100 million in assets
Metric by metric
| Measure | Crossroads Community Federal Credit Union | Local 41 I.B.E.W. Federal Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 88 |
| Capital cushion | 100 (stronger) | 74 |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 81 (stronger) | 78 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 96th | 85th |
| Total assets | $96.9M | $19.4M |
| Deposits / shares | $82.0M | $17.0M |
| Capital ratio | 15.27% (stronger) | 12.41% |
| Problem loans | 0.18% | 0.00% (stronger) |
| Net charge-offs | 0.42% | -0.05% (stronger) |
| Return on assets | 1.53% (stronger) | 1.45% |
| Loans ÷ deposits | 26.6% (stronger) | 58.6% |
| Uninsured deposits | 3.7% | 1.3% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 29.6% | — |
Crossroads Community Federal Credit Union has the higher TellerScore (95 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Crossroads Community Federal Credit Union leads on 4 and Local 41 I.B.E.W. Federal Credit Union on 3. 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.