Side-by-side · Q2 2026 data
Southern Chautauqua Federal Credit Union vs Tonawanda Valley Federal Credit Union
Credit union
Southern Chautauqua Federal Credit Union
Lakewood, New York · $100 million – $1 billion
Credit union
Tonawanda Valley Federal Credit Union
Batavia, New York · $100 million – $1 billion
Metric by metric
| Measure | Southern Chautauqua Federal Credit Union | Tonawanda Valley Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 82 (stronger) |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 46 | 94 (stronger) |
| Earnings | 85 (stronger) | 77 |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 87 | 98 (stronger) |
| Peer percentile | 74th | 82nd |
| Total assets | $163.1M | $170.7M |
| Deposits / shares | $134.8M | $151.1M |
| Capital ratio | 17.58% (stronger) | 11.09% |
| Problem loans | 1.61% | 0.19% (stronger) |
| Net charge-offs | 0.63% | 0.19% (stronger) |
| Return on assets | 1.62% (stronger) | 1.42% |
| Loans ÷ deposits | 85.9% | 56.6% (stronger) |
| Uninsured deposits | 5.3% | 1.1% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tonawanda Valley Federal Credit Union has the higher TellerScore (82 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Southern Chautauqua 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.