Side-by-side · Q2 2026 data
Lake Shore Bank vs Greater Chautauqua Federal Credit Union
Credit union
Greater Chautauqua Federal Credit Union
Falconer, New York · $100 million – $1 billion
Metric by metric
| Measure | Lake Shore Bank | Greater Chautauqua Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 92 (stronger) | 71 |
| Earnings | 65 (stronger) | 60 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 90th | 60th |
| Total assets | $735.9M | $102.3M |
| Deposits / shares | $599.1M | $90.5M |
| Capital ratio | 17.43% (stronger) | 11.38% |
| Problem loans | 0.25% (stronger) | 0.88% |
| Net charge-offs | 0.00% (stronger) | 0.49% |
| Return on assets | 1.13% (stronger) | 1.01% |
| Loans ÷ deposits | 93.2% | 48.3% (stronger) |
| Uninsured deposits | 11.6% | 1.4% (stronger) |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.9% | — |
Lake Shore Bank has the higher TellerScore (86 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Lake Shore Bank leads on 5 and Greater Chautauqua Federal Credit Union on 2. 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.