Side-by-side · Q2 2026 data
St. John United Federal Credit Union vs Town of Cheektowaga Federal Credit Union
Credit union
St. John United Federal Credit Union
Buffalo, New York · Under $100 million in assets
Credit union
Town of Cheektowaga Federal Credit Union
Cheektowaga, New York · Under $100 million in assets
Metric by metric
| Measure | St. John United Federal Credit Union | Town of Cheektowaga Federal Credit Union |
|---|---|---|
| TellerScore | 41 | 95 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 0 | 73 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 3rd | 96th |
| Total assets | $1.1M | $38.1M |
| Deposits / shares | $988K | $31.6M |
| Capital ratio | 10.83% | 17.16% (stronger) |
| Problem loans | 4.62% | 0.00% (stronger) |
| Net charge-offs | 3.32% | 0.03% (stronger) |
| Return on assets | -0.82% | 1.33% (stronger) |
| Loans ÷ deposits | 21.8% (stronger) | 40.5% |
| Uninsured deposits | 0.0% (stronger) | 5.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Town of Cheektowaga Federal Credit Union has the higher TellerScore (95 vs 41). On the 7 directional measures above (where higher or lower is clearly better), St. John United Federal Credit Union leads on 2 and Town of Cheektowaga Federal Credit Union on 5. 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.