Side-by-side · Q2 2026 data
Lake Shore Bank vs Southern Chautauqua Federal Credit Union
Credit union
Southern Chautauqua Federal Credit Union
Lakewood, New York · $100 million – $1 billion
Metric by metric
| Measure | Lake Shore Bank | Southern Chautauqua Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 78 |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 46 |
| Earnings | 65 | 85 (stronger) |
| Funding & liquidity | 67 | 74 (stronger) |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 90th | 74th |
| Total assets | $735.9M | $163.1M |
| Deposits / shares | $599.1M | $134.8M |
| Capital ratio | 17.43% | 17.58% (stronger) |
| Problem loans | 0.25% (stronger) | 1.61% |
| Net charge-offs | 0.00% (stronger) | 0.63% |
| Return on assets | 1.13% | 1.62% (stronger) |
| Loans ÷ deposits | 93.2% | 85.9% (stronger) |
| Uninsured deposits | 11.6% | 5.3% (stronger) |
| Offices | 10 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.9% | — |
Lake Shore Bank has the higher TellerScore (86 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Lake Shore Bank leads on 3 and Southern Chautauqua Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.