Side-by-side · Q2 2026 data
Sjp Federal Credit Union vs Tonawanda Valley Federal Credit Union
Credit union
Tonawanda Valley Federal Credit Union
Batavia, New York · $100 million – $1 billion
Metric by metric
| Measure | Sjp Federal Credit Union | Tonawanda Valley Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 82 (stronger) |
| Capital cushion | 63 (stronger) | 61 |
| Loan quality | 69 | 94 (stronger) |
| Earnings | 70 | 77 (stronger) |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 86 | 98 (stronger) |
| Peer percentile | 48th | 82nd |
| Total assets | $187.7M | $170.7M |
| Deposits / shares | $163.2M | $151.1M |
| Capital ratio | 11.29% (stronger) | 11.09% |
| Problem loans | 0.93% | 0.19% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.19% |
| Return on assets | 1.25% | 1.42% (stronger) |
| Loans ÷ deposits | 94.0% | 56.6% (stronger) |
| Uninsured deposits | 13.8% | 1.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tonawanda Valley Federal Credit Union has the higher TellerScore (82 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Sjp Federal Credit Union leads on 2 and Tonawanda Valley Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.