Side-by-side · Q2 2026 data
Elektra Federal Credit Union vs Erie County Employees Federal Credit Union
Credit union
Erie County Employees Federal Credit Union
Buffalo, New York · Under $100 million in assets
Metric by metric
| Measure | Elektra Federal Credit Union | Erie County Employees Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 75 (stronger) |
| Capital cushion | 100 (stronger) | 87 |
| Loan quality | 0 | 62 (stronger) |
| Earnings | 37 | 45 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 24th | 52nd |
| Total assets | $31.8M | $31.5M |
| Deposits / shares | $24.4M | $27.0M |
| Capital ratio | 23.00% (stronger) | 13.69% |
| Problem loans | 8.88% | 1.15% (stronger) |
| Net charge-offs | -0.73% (stronger) | 0.32% |
| Return on assets | 0.44% | 0.64% (stronger) |
| Loans ÷ deposits | 10.6% (stronger) | 28.4% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Erie County Employees Federal Credit Union has the higher TellerScore (75 vs 62). On the 6 directional measures above (where higher or lower is clearly better), Elektra Federal Credit Union leads on 3 and Erie County Employees Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.