Side-by-side · Q2 2026 data
North Towns Federal Credit Union vs Town of Cheektowaga Federal Credit Union
Credit union
North Towns Federal Credit Union
Clarence, New York · Under $100 million in assets
Credit union
Town of Cheektowaga Federal Credit Union
Cheektowaga, New York · Under $100 million in assets
Metric by metric
| Measure | North Towns Federal Credit Union | Town of Cheektowaga Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 95 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 65 | 100 (stronger) |
| Earnings | 77 (stronger) | 73 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 38th | 96th |
| Total assets | $51.7M | $38.1M |
| Deposits / shares | $46.7M | $31.6M |
| Capital ratio | 9.50% | 17.16% (stronger) |
| Problem loans | 1.06% | 0.00% (stronger) |
| Net charge-offs | 0.04% | 0.03% (stronger) |
| Return on assets | 1.43% (stronger) | 1.33% |
| Loans ÷ deposits | 60.7% | 40.5% (stronger) |
| Uninsured deposits | 4.8% (stronger) | 5.8% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Town of Cheektowaga Federal Credit Union has the higher TellerScore (95 vs 69). On the 7 directional measures above (where higher or lower is clearly better), North Towns Federal Credit Union leads on 2 and Town of Cheektowaga Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.