Side-by-side · Q2 2026 data
The Bank of New York Mellon vs Scf Westchester N. Y. Employees Federal Credit Union
Credit union
Scf Westchester N. Y. Employees Federal Credit Union
White Plains, New York · Under $100 million in assets
Metric by metric
| Measure | The Bank of New York Mellon | Scf Westchester N. Y. Employees Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 93 (stronger) |
| Capital cushion | 12 | 100 (stronger) |
| Loan quality | 99 (stronger) | 94 |
| Earnings | 74 (stronger) | 70 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 45th | 94th |
| Total assets | $425.1B | $1.5M |
| Deposits / shares | $372.6B | $1.2M |
| Capital ratio | 6.20% | 23.76% (stronger) |
| Problem loans | 0.04% (stronger) | 0.18% |
| Net charge-offs | -0.05% (stronger) | 0.00% |
| Return on assets | 1.36% (stronger) | 1.26% |
| Loans ÷ deposits | 12.5% (stronger) | 36.6% |
| Uninsured deposits | 68.2% | 0.0% (stronger) |
| Offices | 15 | 2 |
| CFPB complaints (3 yrs) | 442 | — |
| Complaints per $1B deposits | 1.2 | — |
| Mortgage denial rate (HMDA) | — | — |
Scf Westchester N. Y. Employees Federal Credit Union has the higher TellerScore (93 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The Bank of New York Mellon leads on 4 and Scf Westchester N. Y. Employees Federal Credit Union on 3. 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.