Side-by-side · Q2 2026 data
Empire One Federal Credit Union vs Greater Together Federal Credit Union
Credit union
Empire One Federal Credit Union
Cheektowaga, New York · Under $100 million in assets
Credit union
Greater Together Federal Credit Union
Niagara Falls, New York · Under $100 million in assets
Metric by metric
| Measure | Empire One Federal Credit Union | Greater Together Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 77 (stronger) |
| Capital cushion | 51 | 87 (stronger) |
| Loan quality | 89 (stronger) | 45 |
| Earnings | 0 | 80 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 24th | 57th |
| Total assets | $76.0M | $69.5M |
| Deposits / shares | $67.6M | $59.5M |
| Capital ratio | 10.11% | 13.69% (stronger) |
| Problem loans | 0.32% (stronger) | 1.64% |
| Net charge-offs | 0.14% | -0.03% (stronger) |
| Return on assets | -1.63% | 1.50% (stronger) |
| Loans ÷ deposits | 43.8% (stronger) | 50.1% |
| Uninsured deposits | 1.2% (stronger) | 4.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Greater Together Federal Credit Union has the higher TellerScore (77 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Empire One Federal Credit Union leads on 3 and Greater Together Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.