Side-by-side · Q2 2026 data
Lake Shore Bank vs Suny Fredonia Federal Credit Union
Credit union
Suny Fredonia Federal Credit Union
Fredonia, New York · Under $100 million in assets
Metric by metric
| Measure | Lake Shore Bank | Suny Fredonia Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 95 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 92 (stronger) | 79 |
| Earnings | 65 | 100 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 90th | 96th |
| Total assets | $735.9M | $48.3M |
| Deposits / shares | $599.1M | $39.1M |
| Capital ratio | 17.43% | 18.74% (stronger) |
| Problem loans | 0.25% (stronger) | 0.63% |
| Net charge-offs | 0.00% (stronger) | 0.37% |
| Return on assets | 1.13% | 2.64% (stronger) |
| Loans ÷ deposits | 93.2% | 40.8% (stronger) |
| Uninsured deposits | 11.6% | 2.7% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.9% | — |
Suny Fredonia Federal Credit Union has the higher TellerScore (95 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Lake Shore Bank leads on 2 and Suny Fredonia Federal Credit Union on 5. 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.
Where both have branches
- Fredonia, NY