Side-by-side · Q2 2026 data
Maple City Savings Bank, FSB vs Steuben Citizens Federal Credit Union
Credit union
Steuben Citizens Federal Credit Union
Bath, New York · Under $100 million in assets
Metric by metric
| Measure | Maple City Savings Bank, FSB | Steuben Citizens Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 76 (stronger) |
| Capital cushion | 45 | 72 (stronger) |
| Loan quality | 52 | 97 (stronger) |
| Earnings | 46 (stronger) | 26 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 78 | 100 (stronger) |
| Peer percentile | 11th | 54th |
| Total assets | $121.8M | $35.8M |
| Deposits / shares | $108.4M | $30.6M |
| Capital ratio | 9.46% | 12.19% (stronger) |
| Problem loans | 1.44% | 0.09% (stronger) |
| Net charge-offs | 0.07% (stronger) | 2.32% |
| Return on assets | 0.65% (stronger) | 0.15% |
| Loans ÷ deposits | 81.6% | 30.9% (stronger) |
| Uninsured deposits | 6.0% | 1.4% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Steuben Citizens Federal Credit Union has the higher TellerScore (76 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Maple City Savings Bank, FSB leads on 2 and Steuben Citizens Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.