Side-by-side · Q2 2026 data
Niagara Regional Federal Credit Union vs Westchester Schools' Federal Credit Union
Credit union
Niagara Regional Federal Credit Union
North Tonawanda, New York · Under $100 million in assets
Credit union
Westchester Schools' Federal Credit Union
Rye Brook, New York · Under $100 million in assets
Metric by metric
| Measure | Niagara Regional Federal Credit Union | Westchester Schools' Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 77 (stronger) |
| Capital cushion | 34 | 62 (stronger) |
| Loan quality | 89 | 99 (stronger) |
| Earnings | 47 (stronger) | 45 |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 30th | 57th |
| Total assets | $40.1M | $40.6M |
| Deposits / shares | $36.6M | $35.5M |
| Capital ratio | 8.43% | 11.17% (stronger) |
| Problem loans | 0.32% | 0.02% (stronger) |
| Net charge-offs | 0.12% | 0.07% (stronger) |
| Return on assets | 0.67% (stronger) | 0.62% |
| Loans ÷ deposits | 67.8% | 39.5% (stronger) |
| Uninsured deposits | 3.3% (stronger) | 7.8% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Westchester Schools' Federal Credit Union has the higher TellerScore (77 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Niagara Regional Federal Credit Union leads on 2 and Westchester Schools' Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.