Side-by-side · Q2 2026 data
Empire One Federal Credit Union vs Meridia Community Federal Credit Union
Credit union
Empire One Federal Credit Union
Cheektowaga, New York · Under $100 million in assets
Credit union
Meridia Community Federal Credit Union
Hamburg, New York · $100 million – $1 billion
Metric by metric
| Measure | Empire One Federal Credit Union | Meridia Community Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 94 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 89 | 91 (stronger) |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 24th | 98th |
| Total assets | $76.0M | $144.1M |
| Deposits / shares | $67.6M | $117.7M |
| Capital ratio | 10.11% | 16.36% (stronger) |
| Problem loans | 0.32% | 0.27% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.30% |
| Return on assets | -1.63% | 2.26% (stronger) |
| Loans ÷ deposits | 43.8% (stronger) | 86.4% |
| Uninsured deposits | 1.2% | 0.9% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.1% |
Meridia Community Federal Credit Union has the higher TellerScore (94 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Empire One Federal Credit Union leads on 2 and Meridia Community Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.