Side-by-side · Q2 2026 data
Olean Teachers' and Postal Federal Credit Union vs Gates Chili Federal Credit Union
Credit union
Olean Teachers' and Postal Federal Credit Union
Olean, New York · Under $100 million in assets
Credit union
Gates Chili Federal Credit Union
Rochester, New York · Under $100 million in assets
Metric by metric
| Measure | Olean Teachers' and Postal Federal Credit Union | Gates Chili Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 64 |
| Capital cushion | 61 (stronger) | 27 |
| Loan quality | 79 | 92 (stronger) |
| Earnings | 73 (stronger) | 41 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 57th | 28th |
| Total assets | $27.6M | $30.4M |
| Deposits / shares | $24.5M | $28.2M |
| Capital ratio | 11.09% (stronger) | 7.68% |
| Problem loans | 0.64% | 0.24% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 1.32% (stronger) | 0.51% |
| Loans ÷ deposits | 47.3% (stronger) | 49.2% |
| Uninsured deposits | 1.5% (stronger) | 4.8% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Olean Teachers' and Postal Federal Credit Union has the higher TellerScore (77 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Olean Teachers' and Postal Federal Credit Union leads on 6 and Gates Chili Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.