Side-by-side · Q2 2026 data
Lake Shore Bank vs Inner Lakes Federal Credit Union
Metric by metric
| Measure | Lake Shore Bank | Inner Lakes Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 92 (stronger) | 81 |
| Earnings | 65 (stronger) | 56 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 90th | 51st |
| Total assets | $735.9M | $165.9M |
| Deposits / shares | $599.1M | $155.5M |
| Capital ratio | 17.43% (stronger) | 9.84% |
| Problem loans | 0.25% (stronger) | 0.57% |
| Net charge-offs | 0.00% (stronger) | 0.56% |
| Return on assets | 1.13% (stronger) | 0.89% |
| Loans ÷ deposits | 93.2% | 33.9% (stronger) |
| Uninsured deposits | 11.6% | 2.0% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.9% | — |
Lake Shore Bank has the higher TellerScore (86 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Lake Shore Bank leads on 5 and Inner Lakes Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fredonia, NY
- Westfield, NY