Side-by-side · Q2 2026 data
Meridia Community Federal Credit Union vs Oswego County Federal Credit Union
Credit union
Meridia Community Federal Credit Union
Hamburg, New York · $100 million – $1 billion
Metric by metric
| Measure | Meridia Community Federal Credit Union | Oswego County Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 91 (stronger) | 31 |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 74 | 82 (stronger) |
| Problem-loan coverage | 98 (stronger) | 77 |
| Peer percentile | 98th | 29th |
| Total assets | $144.1M | $152.5M |
| Deposits / shares | $117.7M | $132.7M |
| Capital ratio | 16.36% (stronger) | 12.07% |
| Problem loans | 0.27% (stronger) | 2.06% |
| Net charge-offs | 0.30% (stronger) | 0.39% |
| Return on assets | 2.26% (stronger) | 1.24% |
| Loans ÷ deposits | 86.4% | 78.7% (stronger) |
| Uninsured deposits | 0.9% (stronger) | 3.8% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | 8.8% |
Meridia Community Federal Credit Union has the higher TellerScore (94 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Meridia Community Federal Credit Union leads on 6 and Oswego County Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.