Side-by-side · Q2 2026 data
Gates Chili Federal Credit Union vs Finger Lakes Federal Credit Union
Credit union
Gates Chili Federal Credit Union
Rochester, New York · Under $100 million in assets
Credit union
Finger Lakes Federal Credit Union
Geneva, New York · $100 million – $1 billion
Metric by metric
| Measure | Gates Chili Federal Credit Union | Finger Lakes Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 96 (stronger) |
| Capital cushion | 27 | 100 (stronger) |
| Loan quality | 92 | 97 (stronger) |
| Earnings | 41 | 91 (stronger) |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 28th | 99th |
| Total assets | $30.4M | $259.5M |
| Deposits / shares | $28.2M | $219.2M |
| Capital ratio | 7.68% | 15.05% (stronger) |
| Problem loans | 0.24% | 0.10% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.12% |
| Return on assets | 0.51% | 1.76% (stronger) |
| Loans ÷ deposits | 49.2% (stronger) | 72.0% |
| Uninsured deposits | 4.8% | 4.0% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.3% |
Finger Lakes Federal Credit Union has the higher TellerScore (96 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Gates Chili Federal Credit Union leads on 2 and Finger Lakes Federal Credit Union on 5. 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.