Side-by-side · Q2 2026 data
State Cs Employees Federal Credit Union vs Tonawanda Community Federal Credit Union
Credit union
State Cs Employees Federal Credit Union
Watertown, New York · Under $100 million in assets
Credit union
Tonawanda Community Federal Credit Union
Buffalo, New York · Under $100 million in assets
Metric by metric
| Measure | State Cs Employees Federal Credit Union | Tonawanda Community Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 77 (stronger) |
| Capital cushion | 43 | 61 (stronger) |
| Loan quality | 74 | 76 (stronger) |
| Earnings | 74 | 75 (stronger) |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 32nd | 57th |
| Total assets | $49.4M | $49.3M |
| Deposits / shares | $44.7M | $43.8M |
| Capital ratio | 9.30% | 11.13% (stronger) |
| Problem loans | 0.77% | 0.73% (stronger) |
| Net charge-offs | 0.20% | 0.14% (stronger) |
| Return on assets | 1.34% | 1.38% (stronger) |
| Loans ÷ deposits | 87.0% | 32.1% (stronger) |
| Uninsured deposits | 5.3% | 1.4% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tonawanda Community Federal Credit Union has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), State Cs Employees Federal Credit Union leads on 0 and Tonawanda Community Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.