Side-by-side · Q2 2026 data
Rochester & Monroe Co Emp Federal Credit Union vs Affinity One Federal Credit Union
Credit union
Rochester & Monroe Co Emp Federal Credit Union
Rochester, New York · Under $100 million in assets
Credit union
Affinity One Federal Credit Union
Jamestown, New York · Under $100 million in assets
Metric by metric
| Measure | Rochester & Monroe Co Emp Federal Credit Union | Affinity One Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 72 (stronger) |
| Capital cushion | 60 (stronger) | 58 |
| Loan quality | 60 | 96 (stronger) |
| Earnings | 41 (stronger) | 30 |
| Funding & liquidity | 96 | 98 (stronger) |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 28th | 44th |
| Total assets | $46.4M | $45.7M |
| Deposits / shares | $41.3M | $41.4M |
| Capital ratio | 10.95% (stronger) | 10.81% |
| Problem loans | 1.20% | 0.12% (stronger) |
| Net charge-offs | 0.25% | 0.06% (stronger) |
| Return on assets | 0.52% (stronger) | 0.25% |
| Loans ÷ deposits | 64.3% | 62.2% (stronger) |
| Uninsured deposits | 6.0% | 0.6% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Affinity One Federal Credit Union has the higher TellerScore (72 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Rochester & Monroe Co Emp Federal Credit Union leads on 2 and Affinity One Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.