Side-by-side · Q2 2026 data
Gowanda Area Federal Credit Union vs Southern Chautauqua Federal Credit Union
Credit union
Gowanda Area Federal Credit Union
Gowanda, New York · Under $100 million in assets
Credit union
Southern Chautauqua Federal Credit Union
Lakewood, New York · $100 million – $1 billion
Metric by metric
| Measure | Gowanda Area Federal Credit Union | Southern Chautauqua Federal Credit Union |
|---|---|---|
| TellerScore | 99 (stronger) | 78 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 46 |
| Earnings | 96 (stronger) | 85 |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 99th | 74th |
| Total assets | $33.5M | $163.1M |
| Deposits / shares | $28.1M | $134.8M |
| Capital ratio | 16.06% | 17.58% (stronger) |
| Problem loans | 0.00% (stronger) | 1.61% |
| Net charge-offs | 0.02% (stronger) | 0.63% |
| Return on assets | 1.91% (stronger) | 1.62% |
| Loans ÷ deposits | 45.0% (stronger) | 85.9% |
| Uninsured deposits | 0.0% (stronger) | 5.3% |
| Offices | 1 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gowanda Area Federal Credit Union has the higher TellerScore (99 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Gowanda Area Federal Credit Union leads on 6 and Southern Chautauqua Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.