Side-by-side · Q2 2026 data
Meridia Community Federal Credit Union vs Western New York Federal Credit Union
Credit union
Meridia Community Federal Credit Union
Hamburg, New York · $100 million – $1 billion
Credit union
Western New York Federal Credit Union
West Seneca, New York · Under $100 million in assets
Metric by metric
| Measure | Meridia Community Federal Credit Union | Western New York Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 65 |
| Loan quality | 91 (stronger) | 89 |
| Earnings | 100 (stronger) | 63 |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 98th | 62nd |
| Total assets | $144.1M | $92.6M |
| Deposits / shares | $117.7M | $81.5M |
| Capital ratio | 16.36% (stronger) | 11.47% |
| Problem loans | 0.27% (stronger) | 0.33% |
| Net charge-offs | 0.30% | 0.22% (stronger) |
| Return on assets | 2.26% (stronger) | 1.07% |
| Loans ÷ deposits | 86.4% | 58.7% (stronger) |
| Uninsured deposits | 0.9% (stronger) | 2.6% |
| Offices | 3 | 1 |
| 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 79). On the 7 directional measures above (where higher or lower is clearly better), Meridia Community Federal Credit Union leads on 5 and Western New York Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.