Side-by-side · Q2 2026 data
Ontario Shores Federal Credit Union vs First Choice Financial Federal Credit Union
Credit union
Ontario Shores Federal Credit Union
Newfane, New York · $100 million – $1 billion
Credit union
First Choice Financial Federal Credit Union
Gloversville, New York · $100 million – $1 billion
Metric by metric
| Measure | Ontario Shores Federal Credit Union | First Choice Financial Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 72 (stronger) |
| Capital cushion | 57 | 81 (stronger) |
| Loan quality | 61 (stronger) | 43 |
| Earnings | 60 | 64 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 (stronger) | 87 |
| Peer percentile | 45th | 57th |
| Total assets | $208.4M | $183.7M |
| Deposits / shares | $185.0M | $161.7M |
| Capital ratio | 10.65% | 13.05% (stronger) |
| Problem loans | 1.16% (stronger) | 1.70% |
| Net charge-offs | 0.05% (stronger) | 0.57% |
| Return on assets | 0.99% | 1.11% (stronger) |
| Loans ÷ deposits | 50.2% (stronger) | 56.1% |
| Uninsured deposits | 8.3% | 4.9% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Choice Financial Federal Credit Union has the higher TellerScore (72 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Ontario Shores Federal Credit Union leads on 3 and First Choice Financial Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.