Side-by-side · Q2 2026 data
Southern Chautauqua Federal Credit Union vs Oswego County 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 | Oswego County Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 46 (stronger) | 31 |
| Earnings | 85 (stronger) | 70 |
| Funding & liquidity | 74 | 82 (stronger) |
| Problem-loan coverage | 87 (stronger) | 77 |
| Peer percentile | 74th | 29th |
| Total assets | $163.1M | $152.5M |
| Deposits / shares | $134.8M | $132.7M |
| Capital ratio | 17.58% (stronger) | 12.07% |
| Problem loans | 1.61% (stronger) | 2.06% |
| Net charge-offs | 0.63% | 0.39% (stronger) |
| Return on assets | 1.62% (stronger) | 1.24% |
| Loans ÷ deposits | 85.9% | 78.7% (stronger) |
| Uninsured deposits | 5.3% | 3.8% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.8% |
Southern Chautauqua Federal Credit Union has the higher TellerScore (78 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Southern Chautauqua Federal Credit Union leads on 4 and Oswego County Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.