Side-by-side · Q2 2026 data
Gates Chili Federal Credit Union vs Erie County Employees Federal Credit Union
Credit union
Gates Chili Federal Credit Union
Rochester, New York · Under $100 million in assets
Credit union
Erie County Employees Federal Credit Union
Buffalo, New York · Under $100 million in assets
Metric by metric
| Measure | Gates Chili Federal Credit Union | Erie County Employees Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 75 (stronger) |
| Capital cushion | 27 | 87 (stronger) |
| Loan quality | 92 (stronger) | 62 |
| Earnings | 41 | 45 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 28th | 52nd |
| Total assets | $30.4M | $31.5M |
| Deposits / shares | $28.2M | $27.0M |
| Capital ratio | 7.68% | 13.69% (stronger) |
| Problem loans | 0.24% (stronger) | 1.15% |
| Net charge-offs | 0.05% (stronger) | 0.32% |
| Return on assets | 0.51% | 0.64% (stronger) |
| Loans ÷ deposits | 49.2% | 28.4% (stronger) |
| Uninsured deposits | 4.8% | 0.0% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Erie County Employees Federal Credit Union has the higher TellerScore (75 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Gates Chili Federal Credit Union leads on 2 and Erie County Employees Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.