Side-by-side · Q2 2026 data
Southern Chautauqua Federal Credit Union vs N.F.G. #2 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 | N.F.G. #2 Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 80 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 46 | 57 (stronger) |
| Earnings | 85 (stronger) | 57 |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 74th | 65th |
| Total assets | $163.1M | $24.2M |
| Deposits / shares | $134.8M | $20.5M |
| Capital ratio | 17.58% (stronger) | 15.74% |
| Problem loans | 1.61% | 1.28% (stronger) |
| Net charge-offs | 0.63% (stronger) | 0.93% |
| Return on assets | 1.62% (stronger) | 0.91% |
| Loans ÷ deposits | 85.9% | 18.4% (stronger) |
| Uninsured deposits | 5.3% | 0.4% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
N.F.G. #2 Federal Credit Union has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Southern Chautauqua Federal Credit Union leads on 3 and N.F.G. #2 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.