Side-by-side · Q2 2026 data
Niagara Falls Teachers Federal Credit Union vs Oneida County Federal Credit Union
Credit union
Niagara Falls Teachers Federal Credit Union
Niagara Falls, New York · Under $100 million in assets
Metric by metric
| Measure | Niagara Falls Teachers Federal Credit Union | Oneida County Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 75 |
| Loan quality | 86 | 87 (stronger) |
| Earnings | 64 (stronger) | 20 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 87th | 47th |
| Total assets | $13.6M | $13.5M |
| Deposits / shares | $11.1M | $11.8M |
| Capital ratio | 18.43% (stronger) | 12.52% |
| Problem loans | 0.43% | 0.38% (stronger) |
| Net charge-offs | 0.19% | 0.01% (stronger) |
| Return on assets | 1.09% (stronger) | -0.00% |
| Loans ÷ deposits | 42.6% | 38.9% (stronger) |
| Uninsured deposits | 0.7% | 0.0% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Niagara Falls Teachers Federal Credit Union has the higher TellerScore (89 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Niagara Falls Teachers Federal Credit Union leads on 3 and Oneida County Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.