Side-by-side · Q2 2026 data
Steuben Citizens Federal Credit Union vs Ed-Med Federal Credit Union
Credit union
Steuben Citizens Federal Credit Union
Bath, New York · Under $100 million in assets
Metric by metric
| Measure | Steuben Citizens Federal Credit Union | Ed-Med Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 72 | 75 (stronger) |
| Loan quality | 97 (stronger) | 64 |
| Earnings | 26 | 63 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 54th | 54th |
| Total assets | $35.8M | $34.7M |
| Deposits / shares | $30.6M | $30.3M |
| Capital ratio | 12.19% | 12.51% (stronger) |
| Problem loans | 0.09% (stronger) | 1.08% |
| Net charge-offs | 2.32% | -0.08% (stronger) |
| Return on assets | 0.15% | 1.07% (stronger) |
| Loans ÷ deposits | 30.9% (stronger) | 42.2% |
| Uninsured deposits | 1.4% | 1.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Steuben Citizens Federal Credit Union leads on 2 and Ed-Med Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.