Side-by-side · Q2 2026 data
Finger Lakes Federal Credit Union vs Western Division Federal Credit Union
Credit union
Finger Lakes Federal Credit Union
Geneva, New York · $100 million – $1 billion
Credit union
Western Division Federal Credit Union
Williamsville, New York · $100 million – $1 billion
Metric by metric
| Measure | Finger Lakes Federal Credit Union | Western Division Federal Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 91 |
| Capital cushion | 100 (stronger) | 98 |
| Loan quality | 97 (stronger) | 91 |
| Earnings | 91 | 98 (stronger) |
| Funding & liquidity | 88 (stronger) | 66 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 99th | 96th |
| Total assets | $259.5M | $223.9M |
| Deposits / shares | $219.2M | $190.3M |
| Capital ratio | 15.05% (stronger) | 14.80% |
| Problem loans | 0.10% (stronger) | 0.27% |
| Net charge-offs | 0.12% | 0.07% (stronger) |
| Return on assets | 1.76% | 1.96% (stronger) |
| Loans ÷ deposits | 72.0% (stronger) | 94.2% |
| Uninsured deposits | 4.0% | 3.9% (stronger) |
| Offices | 3 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.3% | 13.5% |
Finger Lakes Federal Credit Union has the higher TellerScore (96 vs 91). On the 7 directional measures above (where higher or lower is clearly better), Finger Lakes Federal Credit Union leads on 4 and Western Division Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.