Side-by-side · Q2 2026 data
Steuben Citizens Federal Credit Union vs Town of Cheektowaga Federal Credit Union
Credit union
Steuben Citizens Federal Credit Union
Bath, New York · Under $100 million in assets
Credit union
Town of Cheektowaga Federal Credit Union
Cheektowaga, New York · Under $100 million in assets
Metric by metric
| Measure | Steuben Citizens Federal Credit Union | Town of Cheektowaga Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 95 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 26 | 73 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 54th | 96th |
| Total assets | $35.8M | $38.1M |
| Deposits / shares | $30.6M | $31.6M |
| Capital ratio | 12.19% | 17.16% (stronger) |
| Problem loans | 0.09% | 0.00% (stronger) |
| Net charge-offs | 2.32% | 0.03% (stronger) |
| Return on assets | 0.15% | 1.33% (stronger) |
| Loans ÷ deposits | 30.9% (stronger) | 40.5% |
| Uninsured deposits | 1.4% (stronger) | 5.8% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Town of Cheektowaga Federal Credit Union has the higher TellerScore (95 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Steuben Citizens Federal Credit Union leads on 2 and Town of Cheektowaga Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.