Side-by-side · Q2 2026 data
Inner Lakes Federal Credit Union vs Southern Chautauqua Federal Credit Union
Credit union
Southern Chautauqua Federal Credit Union
Lakewood, New York · $100 million – $1 billion
Metric by metric
| Measure | Inner Lakes Federal Credit Union | Southern Chautauqua Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 78 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 81 (stronger) | 46 |
| Earnings | 56 | 85 (stronger) |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 51st | 74th |
| Total assets | $165.9M | $163.1M |
| Deposits / shares | $155.5M | $134.8M |
| Capital ratio | 9.84% | 17.58% (stronger) |
| Problem loans | 0.57% (stronger) | 1.61% |
| Net charge-offs | 0.56% (stronger) | 0.63% |
| Return on assets | 0.89% | 1.62% (stronger) |
| Loans ÷ deposits | 33.9% (stronger) | 85.9% |
| Uninsured deposits | 2.0% (stronger) | 5.3% |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Chautauqua Federal Credit Union has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Inner Lakes Federal Credit Union leads on 4 and Southern Chautauqua Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.