Side-by-side · Q2 2026 data
Lake Shore Bank vs Affinity One Federal Credit Union
Credit union
Affinity One Federal Credit Union
Jamestown, New York · Under $100 million in assets
Metric by metric
| Measure | Lake Shore Bank | Affinity One Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 58 |
| Loan quality | 92 | 96 (stronger) |
| Earnings | 65 (stronger) | 30 |
| Funding & liquidity | 67 | 98 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 90th | 44th |
| Total assets | $735.9M | $45.7M |
| Deposits / shares | $599.1M | $41.4M |
| Capital ratio | 17.43% (stronger) | 10.81% |
| Problem loans | 0.25% | 0.12% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 1.13% (stronger) | 0.25% |
| Loans ÷ deposits | 93.2% | 62.2% (stronger) |
| Uninsured deposits | 11.6% | 0.6% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.9% | — |
Lake Shore Bank has the higher TellerScore (86 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Lake Shore Bank leads on 4 and Affinity One Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.