Side-by-side · Q2 2026 data
NY Firefighters Bravest Federal Credit Union vs Encompass Niagara Federal Credit Union
Credit union
NY Firefighters Bravest Federal Credit Union
Albany, New York · Under $100 million in assets
Credit union
Encompass Niagara Federal Credit Union
Niagara Falls, New York · Under $100 million in assets
Metric by metric
| Measure | NY Firefighters Bravest Federal Credit Union | Encompass Niagara Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 48 |
| Capital cushion | 70 (stronger) | 69 |
| Loan quality | 86 (stronger) | 21 |
| Earnings | 43 (stronger) | 0 |
| Funding & liquidity | 70 | 95 (stronger) |
| Problem-loan coverage | 94 (stronger) | 77 |
| Peer percentile | 42nd | 7th |
| Total assets | $24.5M | $23.2M |
| Deposits / shares | $22.6M | $20.4M |
| Capital ratio | 12.04% (stronger) | 11.93% |
| Problem loans | 0.42% (stronger) | 2.38% |
| Net charge-offs | 0.15% (stronger) | 1.78% |
| Return on assets | 0.58% (stronger) | -0.52% |
| Loans ÷ deposits | 90.2% | 65.5% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.9% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
NY Firefighters Bravest Federal Credit Union has the higher TellerScore (71 vs 48). On the 7 directional measures above (where higher or lower is clearly better), NY Firefighters Bravest Federal Credit Union leads on 6 and Encompass Niagara Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.