Side-by-side · Q2 2026 data
Niagara'S Choice Federal Credit Union vs Town of Cheektowaga Federal Credit Union
Credit union
Niagara'S Choice Federal Credit Union
Niagara Falls, New York · $100 million – $1 billion
Credit union
Town of Cheektowaga Federal Credit Union
Cheektowaga, New York · Under $100 million in assets
Metric by metric
| Measure | Niagara'S Choice Federal Credit Union | Town of Cheektowaga Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 95 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 61 | 100 (stronger) |
| Earnings | 51 | 73 (stronger) |
| Funding & liquidity | 96 | 100 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 37th | 96th |
| Total assets | $265.4M | $38.1M |
| Deposits / shares | $239.1M | $31.6M |
| Capital ratio | 10.89% | 17.16% (stronger) |
| Problem loans | 1.17% | 0.00% (stronger) |
| Net charge-offs | 0.17% | 0.03% (stronger) |
| Return on assets | 0.77% | 1.33% (stronger) |
| Loans ÷ deposits | 64.4% | 40.5% (stronger) |
| Uninsured deposits | 1.6% (stronger) | 5.8% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.0% | — |
Town of Cheektowaga Federal Credit Union has the higher TellerScore (95 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Niagara'S Choice Federal Credit Union leads on 1 and Town of Cheektowaga Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.