Side-by-side · Q2 2026 data
The Delaware National Bank of Delhi vs Chen-Del-O Federal Credit Union
Credit union
Chen-Del-O Federal Credit Union
Franklin, New York · Under $100 million in assets
Metric by metric
| Measure | The Delaware National Bank of Delhi | Chen-Del-O Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 85 (stronger) |
| Capital cushion | 46 | 79 (stronger) |
| Loan quality | 80 | 84 (stronger) |
| Earnings | 52 | 78 (stronger) |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 24th | 77th |
| Total assets | $384.1M | $34.9M |
| Deposits / shares | $348.6M | $30.4M |
| Capital ratio | 9.61% | 12.93% (stronger) |
| Problem loans | 0.60% | 0.48% (stronger) |
| Net charge-offs | -0.00% (stronger) | 1.19% |
| Return on assets | 0.80% | 1.44% (stronger) |
| Loans ÷ deposits | 76.4% | 28.9% (stronger) |
| Uninsured deposits | 32.3% | 2.6% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Chen-Del-O Federal Credit Union has the higher TellerScore (85 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The Delaware National Bank of Delhi leads on 1 and Chen-Del-O 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.