Side-by-side · Q2 2026 data
Elektra Federal Credit Union vs Gates Chili Federal Credit Union
Credit union
Gates Chili Federal Credit Union
Rochester, New York · Under $100 million in assets
Metric by metric
| Measure | Elektra Federal Credit Union | Gates Chili Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 64 (stronger) |
| Capital cushion | 100 (stronger) | 27 |
| Loan quality | 0 | 92 (stronger) |
| Earnings | 37 | 41 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 24th | 28th |
| Total assets | $31.8M | $30.4M |
| Deposits / shares | $24.4M | $28.2M |
| Capital ratio | 23.00% (stronger) | 7.68% |
| Problem loans | 8.88% | 0.24% (stronger) |
| Net charge-offs | -0.73% (stronger) | 0.05% |
| Return on assets | 0.44% | 0.51% (stronger) |
| Loans ÷ deposits | 10.6% (stronger) | 49.2% |
| Uninsured deposits | 0.0% (stronger) | 4.8% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gates Chili Federal Credit Union has the higher TellerScore (64 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Elektra Federal Credit Union leads on 4 and Gates Chili Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.