Side-by-side · Q2 2026 data
Gates Chili Federal Credit Union vs Tri-Lakes Federal Credit Union
Credit union
Gates Chili Federal Credit Union
Rochester, New York · Under $100 million in assets
Credit union
Tri-Lakes Federal Credit Union
Saranac Lake, New York · Under $100 million in assets
Metric by metric
| Measure | Gates Chili Federal Credit Union | Tri-Lakes Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 91 (stronger) |
| Capital cushion | 27 | 85 (stronger) |
| Loan quality | 92 | 99 (stronger) |
| Earnings | 41 | 79 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 28th | 90th |
| Total assets | $30.4M | $28.7M |
| Deposits / shares | $28.2M | $24.6M |
| Capital ratio | 7.68% | 13.54% (stronger) |
| Problem loans | 0.24% | 0.03% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.69% |
| Return on assets | 0.51% | 1.48% (stronger) |
| Loans ÷ deposits | 49.2% (stronger) | 49.5% |
| Uninsured deposits | 4.8% | 1.6% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tri-Lakes Federal Credit Union has the higher TellerScore (91 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Gates Chili Federal Credit Union leads on 2 and Tri-Lakes Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.