Side-by-side · Q2 2026 data
Meridia Community Federal Credit Union vs Kaleida Health Federal Credit Union
Credit union
Meridia Community Federal Credit Union
Hamburg, New York · $100 million – $1 billion
Credit union
Kaleida Health Federal Credit Union
Buffalo, New York · Under $100 million in assets
Metric by metric
| Measure | Meridia Community Federal Credit Union | Kaleida Health Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 90 |
| Capital cushion | 100 | 100 |
| Loan quality | 91 | 97 (stronger) |
| Earnings | 100 (stronger) | 66 |
| Funding & liquidity | 74 | 86 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 98th | 89th |
| Total assets | $144.1M | $19.8M |
| Deposits / shares | $117.7M | $16.2M |
| Capital ratio | 16.36% | 17.69% (stronger) |
| Problem loans | 0.27% | 0.10% (stronger) |
| Net charge-offs | 0.30% | -0.09% (stronger) |
| Return on assets | 2.26% (stronger) | 1.16% |
| Loans ÷ deposits | 86.4% | 74.1% (stronger) |
| Uninsured deposits | 0.9% | 0.0% (stronger) |
| Offices | 3 | 3 |
| 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 90). On the 7 directional measures above (where higher or lower is clearly better), Meridia Community Federal Credit Union leads on 2 and Kaleida Health 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.