Side-by-side · Q2 2026 data
The Canandaigua National Bank and Trust Company vs Finger Lakes Federal Credit Union
Bank
The Canandaigua National Bank and Trust Company
Canandaigua, New York · $1 billion – $10 billion
Credit union
Finger Lakes Federal Credit Union
Geneva, New York · $100 million – $1 billion
Metric by metric
| Measure | The Canandaigua National Bank and Trust Company | Finger Lakes Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 96 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 72 | 97 (stronger) |
| Earnings | 71 | 91 (stronger) |
| Funding & liquidity | 50 | 88 (stronger) |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 21st | 99th |
| Total assets | $5.4B | $259.5M |
| Deposits / shares | $4.6B | $219.2M |
| Capital ratio | 9.01% | 15.05% (stronger) |
| Problem loans | 0.83% | 0.10% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.12% |
| Return on assets | 1.27% | 1.76% (stronger) |
| Loans ÷ deposits | 88.9% | 72.0% (stronger) |
| Uninsured deposits | 33.8% | 4.0% (stronger) |
| Offices | 28 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | 19.3% |
Finger Lakes Federal Credit Union has the higher TellerScore (96 vs 60). On the 7 directional measures above (where higher or lower is clearly better), The Canandaigua National Bank and Trust Company leads on 1 and Finger Lakes Federal Credit Union on 6. 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
- Webster, NY
- Geneva, NY