Side-by-side · Q2 2026 data
Meridia Community Federal Credit Union vs Erie County Employees Federal Credit Union
Credit union
Meridia Community Federal Credit Union
Hamburg, New York · $100 million – $1 billion
Credit union
Erie County Employees Federal Credit Union
Buffalo, New York · Under $100 million in assets
Metric by metric
| Measure | Meridia Community Federal Credit Union | Erie County Employees Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 87 |
| Loan quality | 91 (stronger) | 62 |
| Earnings | 100 (stronger) | 45 |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 98th | 52nd |
| Total assets | $144.1M | $31.5M |
| Deposits / shares | $117.7M | $27.0M |
| Capital ratio | 16.36% (stronger) | 13.69% |
| Problem loans | 0.27% (stronger) | 1.15% |
| Net charge-offs | 0.30% (stronger) | 0.32% |
| Return on assets | 2.26% (stronger) | 0.64% |
| Loans ÷ deposits | 86.4% | 28.4% (stronger) |
| Uninsured deposits | 0.9% | 0.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | — |
Meridia Community Federal Credit Union has the higher TellerScore (94 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Meridia Community Federal Credit Union leads on 5 and Erie County Employees Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.