Side-by-side · Q2 2026 data
Niagara'S Choice Federal Credit Union vs Western Division Federal Credit Union
Credit union
Niagara'S Choice Federal Credit Union
Niagara Falls, New York · $100 million – $1 billion
Credit union
Western Division Federal Credit Union
Williamsville, New York · $100 million – $1 billion
Metric by metric
| Measure | Niagara'S Choice Federal Credit Union | Western Division Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 91 (stronger) |
| Capital cushion | 59 | 98 (stronger) |
| Loan quality | 61 | 91 (stronger) |
| Earnings | 51 | 98 (stronger) |
| Funding & liquidity | 96 (stronger) | 66 |
| Problem-loan coverage | 88 | 97 (stronger) |
| Peer percentile | 37th | 96th |
| Total assets | $265.4M | $223.9M |
| Deposits / shares | $239.1M | $190.3M |
| Capital ratio | 10.89% | 14.80% (stronger) |
| Problem loans | 1.17% | 0.27% (stronger) |
| Net charge-offs | 0.17% | 0.07% (stronger) |
| Return on assets | 0.77% | 1.96% (stronger) |
| Loans ÷ deposits | 64.4% (stronger) | 94.2% |
| Uninsured deposits | 1.6% (stronger) | 3.9% |
| Offices | 4 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.0% | 13.5% |
Western Division Federal Credit Union has the higher TellerScore (91 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Niagara'S Choice Federal Credit Union leads on 2 and Western Division Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.