Side-by-side · Q2 2026 data
Niagara'S Choice Federal Credit Union vs Tct Federal Credit Union
Credit union
Niagara'S Choice Federal Credit Union
Niagara Falls, New York · $100 million – $1 billion
Metric by metric
| Measure | Niagara'S Choice Federal Credit Union | Tct Federal Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 61 |
| Capital cushion | 59 (stronger) | 44 |
| Loan quality | 61 | 78 (stronger) |
| Earnings | 51 (stronger) | 34 |
| Funding & liquidity | 96 (stronger) | 80 |
| Problem-loan coverage | 88 | 90 (stronger) |
| Peer percentile | 37th | 24th |
| Total assets | $265.4M | $295.6M |
| Deposits / shares | $239.1M | $267.3M |
| Capital ratio | 10.89% (stronger) | 9.45% |
| Problem loans | 1.17% | 0.65% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.22% |
| Return on assets | 0.77% (stronger) | 0.34% |
| Loans ÷ deposits | 64.4% (stronger) | 80.5% |
| Uninsured deposits | 1.6% (stronger) | 7.6% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.0% | 20.0% |
Niagara'S Choice Federal Credit Union has the higher TellerScore (66 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Niagara'S Choice Federal Credit Union leads on 6 and Tct Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.