Side-by-side · Q2 2026 data
Steuben Citizens Federal Credit Union vs Chen-Del-O Federal Credit Union
Credit union
Steuben Citizens Federal Credit Union
Bath, New York · Under $100 million in assets
Credit union
Chen-Del-O Federal Credit Union
Franklin, New York · Under $100 million in assets
Metric by metric
| Measure | Steuben Citizens Federal Credit Union | Chen-Del-O Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 85 (stronger) |
| Capital cushion | 72 | 79 (stronger) |
| Loan quality | 97 (stronger) | 84 |
| Earnings | 26 | 78 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 54th | 77th |
| Total assets | $35.8M | $34.9M |
| Deposits / shares | $30.6M | $30.4M |
| Capital ratio | 12.19% | 12.93% (stronger) |
| Problem loans | 0.09% (stronger) | 0.48% |
| Net charge-offs | 2.32% | 1.19% (stronger) |
| Return on assets | 0.15% | 1.44% (stronger) |
| Loans ÷ deposits | 30.9% | 28.9% (stronger) |
| Uninsured deposits | 1.4% (stronger) | 2.6% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Chen-Del-O Federal Credit Union has the higher TellerScore (85 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Steuben Citizens Federal Credit Union leads on 2 and Chen-Del-O Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.