Side-by-side · Q2 2026 data
Steuben Citizens Federal Credit Union vs The Finest Federal Credit Union
Credit union
Steuben Citizens Federal Credit Union
Bath, New York · Under $100 million in assets
Credit union
The Finest Federal Credit Union
New York, New York · Under $100 million in assets
Metric by metric
| Measure | Steuben Citizens Federal Credit Union | The Finest Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 66 |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 97 (stronger) | 28 |
| Earnings | 26 | 67 (stronger) |
| Funding & liquidity | 100 (stronger) | 45 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 54th | 32nd |
| Total assets | $35.8M | $36.0M |
| Deposits / shares | $30.6M | $27.7M |
| Capital ratio | 12.19% | 23.97% (stronger) |
| Problem loans | 0.09% (stronger) | 2.17% |
| Net charge-offs | 2.32% (stronger) | 3.41% |
| Return on assets | 0.15% | 1.16% (stronger) |
| Loans ÷ deposits | 30.9% (stronger) | 96.9% |
| Uninsured deposits | 1.4% (stronger) | 31.1% |
| Offices | 3 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Steuben Citizens Federal Credit Union has the higher TellerScore (76 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Steuben Citizens Federal Credit Union leads on 5 and The Finest Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.