Side-by-side · Q2 2026 data
Kaleida Health Federal Credit Union vs The Heart Center Federal Credit Union
Credit union
Kaleida Health Federal Credit Union
Buffalo, New York · Under $100 million in assets
Credit union
The Heart Center Federal Credit Union
Roslyn, New York · Under $100 million in assets
Metric by metric
| Measure | Kaleida Health Federal Credit Union | The Heart Center Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 72 |
| Capital cushion | 100 | 100 |
| Loan quality | 97 (stronger) | 31 |
| Earnings | 66 (stronger) | 55 |
| Funding & liquidity | 86 | 98 (stronger) |
| Problem-loan coverage | 99 (stronger) | 86 |
| Peer percentile | 89th | 44th |
| Total assets | $19.8M | $20.4M |
| Deposits / shares | $16.2M | $17.2M |
| Capital ratio | 17.69% (stronger) | 15.69% |
| Problem loans | 0.10% (stronger) | 2.06% |
| Net charge-offs | -0.09% (stronger) | 0.17% |
| Return on assets | 1.16% (stronger) | 0.86% |
| Loans ÷ deposits | 74.1% | 61.9% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 0.6% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kaleida Health Federal Credit Union has the higher TellerScore (90 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Kaleida Health Federal Credit Union leads on 6 and The Heart Center Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.