Side-by-side · Q2 2026 data
First Choice Financial Federal Credit Union vs Genesee Valley Federal Credit Union
Credit union
First Choice Financial Federal Credit Union
Gloversville, New York · $100 million – $1 billion
Credit union
Genesee Valley Federal Credit Union
Geneseo, New York · $100 million – $1 billion
Metric by metric
| Measure | First Choice Financial Federal Credit Union | Genesee Valley Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 98 (stronger) |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 43 | 94 (stronger) |
| Earnings | 64 | 98 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 57th | 100th |
| Total assets | $183.7M | $175.9M |
| Deposits / shares | $161.7M | $145.6M |
| Capital ratio | 13.05% | 16.60% (stronger) |
| Problem loans | 1.70% | 0.19% (stronger) |
| Net charge-offs | 0.57% | 0.26% (stronger) |
| Return on assets | 1.11% | 1.95% (stronger) |
| Loans ÷ deposits | 56.1% | 50.1% (stronger) |
| Uninsured deposits | 4.9% | 1.6% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Genesee Valley Federal Credit Union has the higher TellerScore (98 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Choice Financial Federal Credit Union leads on 0 and Genesee Valley Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.