Side-by-side · Q2 2026 data
Steuben Citizens Federal Credit Union vs Servu 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 | Servu Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 86 (stronger) |
| Capital cushion | 72 | 98 (stronger) |
| Loan quality | 97 (stronger) | 84 |
| Earnings | 26 | 76 (stronger) |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 54th | 89th |
| Total assets | $35.8M | $529.2M |
| Deposits / shares | $30.6M | $446.1M |
| Capital ratio | 12.19% | 14.83% (stronger) |
| Problem loans | 0.09% (stronger) | 0.47% |
| Net charge-offs | 2.32% | 0.20% (stronger) |
| Return on assets | 0.15% | 1.40% (stronger) |
| Loans ÷ deposits | 30.9% (stronger) | 86.1% |
| Uninsured deposits | 1.4% (stronger) | 3.6% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.8% |
Servu Federal Credit Union has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Steuben Citizens Federal Credit Union leads on 3 and Servu Federal Credit Union on 4. 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.
Where both have branches
- Bath, NY