Side-by-side · Q2 2026 data
North Towns Federal Credit Union vs Tonawanda Community Federal Credit Union
Credit union
North Towns Federal Credit Union
Clarence, New York · Under $100 million in assets
Credit union
Tonawanda Community Federal Credit Union
Buffalo, New York · Under $100 million in assets
Metric by metric
| Measure | North Towns Federal Credit Union | Tonawanda Community Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 77 (stronger) |
| Capital cushion | 45 | 61 (stronger) |
| Loan quality | 65 | 76 (stronger) |
| Earnings | 77 (stronger) | 75 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 38th | 57th |
| Total assets | $51.7M | $49.3M |
| Deposits / shares | $46.7M | $43.8M |
| Capital ratio | 9.50% | 11.13% (stronger) |
| Problem loans | 1.06% | 0.73% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.14% |
| Return on assets | 1.43% (stronger) | 1.38% |
| Loans ÷ deposits | 60.7% | 32.1% (stronger) |
| Uninsured deposits | 4.8% | 1.4% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tonawanda Community Federal Credit Union has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), North Towns Federal Credit Union leads on 2 and Tonawanda Community Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.