Side-by-side · Q2 2026 data
Empire One Federal Credit Union vs Greater Metro Federal Credit Union
Credit union
Empire One Federal Credit Union
Cheektowaga, New York · Under $100 million in assets
Credit union
Greater Metro Federal Credit Union
Long Island CIT, New York · Under $100 million in assets
Metric by metric
| Measure | Empire One Federal Credit Union | Greater Metro Federal Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 60 |
| Capital cushion | 51 | 68 (stronger) |
| Loan quality | 89 (stronger) | 39 |
| Earnings | 0 | 33 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 84 |
| Peer percentile | 24th | 22nd |
| Total assets | $76.0M | $76.9M |
| Deposits / shares | $67.6M | $67.8M |
| Capital ratio | 10.11% | 11.75% (stronger) |
| Problem loans | 0.32% (stronger) | 1.83% |
| Net charge-offs | 0.14% (stronger) | 0.32% |
| Return on assets | -1.63% | 0.32% (stronger) |
| Loans ÷ deposits | 43.8% | 31.2% (stronger) |
| Uninsured deposits | 1.2% (stronger) | 8.7% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Empire One Federal Credit Union has the higher TellerScore (62 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Empire One Federal Credit Union leads on 4 and Greater Metro Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.