Side-by-side · Q2 2026 data
Ed-Med Federal Credit Union vs Finger Lakes Health Care Federal Credit Union
Credit union
Finger Lakes Health Care Federal Credit Union
Elmira, New York · Under $100 million in assets
Metric by metric
| Measure | Ed-Med Federal Credit Union | Finger Lakes Health Care Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 89 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 64 | 99 (stronger) |
| Earnings | 63 (stronger) | 45 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 54th | 87th |
| Total assets | $34.7M | $35.2M |
| Deposits / shares | $30.3M | $29.7M |
| Capital ratio | 12.51% | 15.54% (stronger) |
| Problem loans | 1.08% | 0.02% (stronger) |
| Net charge-offs | -0.08% (stronger) | 0.08% |
| Return on assets | 1.07% (stronger) | 0.61% |
| Loans ÷ deposits | 42.2% | 25.8% (stronger) |
| Uninsured deposits | 1.0% (stronger) | 4.5% |
| Offices | 1 | 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 76). On the 7 directional measures above (where higher or lower is clearly better), Ed-Med Federal Credit Union leads on 3 and Finger Lakes Health Care Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.