Side-by-side · Q2 2026 data
Italo-American Federal Credit Union vs Niagara Regional Federal Credit Union
Credit union
Italo-American Federal Credit Union
Glendale, New York · Under $100 million in assets
Credit union
Niagara Regional Federal Credit Union
North Tonawanda, New York · Under $100 million in assets
Metric by metric
| Measure | Italo-American Federal Credit Union | Niagara Regional Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 65 |
| Capital cushion | 96 (stronger) | 34 |
| Loan quality | 100 (stronger) | 89 |
| Earnings | 74 (stronger) | 47 |
| Funding & liquidity | 60 | 92 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 85th | 30th |
| Total assets | $42.4M | $40.1M |
| Deposits / shares | $35.9M | $36.6M |
| Capital ratio | 14.61% (stronger) | 8.43% |
| Problem loans | 0.00% (stronger) | 0.32% |
| Net charge-offs | 0.00% (stronger) | 0.12% |
| Return on assets | 1.35% (stronger) | 0.67% |
| Loans ÷ deposits | 98.0% | 67.8% (stronger) |
| Uninsured deposits | 16.9% | 3.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Italo-American Federal Credit Union has the higher TellerScore (88 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Italo-American Federal Credit Union leads on 5 and Niagara Regional Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.