Side-by-side · Q2 2026 data
Servu Federal Credit Union vs Allegany First Federal Credit Union
Credit union
Allegany First Federal Credit Union
Fillmore, New York · Under $100 million in assets
Metric by metric
| Measure | Servu Federal Credit Union | Allegany First Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 85 |
| Capital cushion | 98 (stronger) | 89 |
| Loan quality | 84 (stronger) | 65 |
| Earnings | 76 | 89 (stronger) |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 89th | 77th |
| Total assets | $529.2M | $27.1M |
| Deposits / shares | $446.1M | $23.3M |
| Capital ratio | 14.83% (stronger) | 13.91% |
| Problem loans | 0.47% (stronger) | 1.06% |
| Net charge-offs | 0.20% | 0.14% (stronger) |
| Return on assets | 1.40% | 1.73% (stronger) |
| Loans ÷ deposits | 86.1% | 31.5% (stronger) |
| Uninsured deposits | 3.6% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.8% | — |
Servu Federal Credit Union has the higher TellerScore (86 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Servu Federal Credit Union leads on 3 and Allegany First Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.