Side-by-side · Q2 2026 data
Southern Chautauqua Federal Credit Union vs Alternatives Federal Credit Union
Credit union
Southern Chautauqua Federal Credit Union
Lakewood, New York · $100 million – $1 billion
Metric by metric
| Measure | Southern Chautauqua Federal Credit Union | Alternatives Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 29 |
| Capital cushion | 100 (stronger) | 38 |
| Loan quality | 46 (stronger) | 0 |
| Earnings | 85 (stronger) | 0 |
| Funding & liquidity | 74 | 93 (stronger) |
| Problem-loan coverage | 87 (stronger) | 36 |
| Peer percentile | 74th | 0th |
| Total assets | $163.1M | $161.4M |
| Deposits / shares | $134.8M | $144.5M |
| Capital ratio | 17.58% (stronger) | 8.83% |
| Problem loans | 1.61% (stronger) | 4.71% |
| Net charge-offs | 0.63% (stronger) | 2.16% |
| Return on assets | 1.62% (stronger) | -1.01% |
| Loans ÷ deposits | 85.9% | 67.4% (stronger) |
| Uninsured deposits | 5.3% (stronger) | 8.3% |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.9% |
Southern Chautauqua Federal Credit Union has the higher TellerScore (78 vs 29). On the 7 directional measures above (where higher or lower is clearly better), Southern Chautauqua Federal Credit Union leads on 6 and Alternatives Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.