Side-by-side · Q2 2026 data
Five Star Bank vs Finger Lakes Federal Credit Union
Credit union
Finger Lakes Federal Credit Union
Geneva, New York · $100 million – $1 billion
Metric by metric
| Measure | Five Star Bank | Finger Lakes Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 96 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 73 | 97 (stronger) |
| Earnings | 77 | 91 (stronger) |
| Funding & liquidity | 37 | 88 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 40th | 99th |
| Total assets | $6.3B | $259.5M |
| Deposits / shares | $5.3B | $219.2M |
| Capital ratio | 10.87% | 15.05% (stronger) |
| Problem loans | 0.82% | 0.10% (stronger) |
| Net charge-offs | 0.27% | 0.12% (stronger) |
| Return on assets | 1.42% | 1.76% (stronger) |
| Loans ÷ deposits | 88.7% | 72.0% (stronger) |
| Uninsured deposits | 46.4% | 4.0% (stronger) |
| Offices | 47 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | 19.3% |
Finger Lakes Federal Credit Union has the higher TellerScore (96 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Five Star Bank leads on 0 and Finger Lakes Federal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Geneva, NY