Side-by-side · Q2 2026 data
The Lyons National Bank vs Beginnings Credit Union
Metric by metric
| Measure | The Lyons National Bank | Beginnings Credit Union |
|---|---|---|
| TellerScore | 63 | 77 (stronger) |
| Capital cushion | 40 | 90 (stronger) |
| Loan quality | 84 (stronger) | 77 |
| Earnings | 64 (stronger) | 49 |
| Funding & liquidity | 56 | 78 (stronger) |
| Problem-loan coverage | 92 | 93 (stronger) |
| Peer percentile | 30th | 82nd |
| Total assets | $2.1B | $1.5B |
| Deposits / shares | $1.9B | $1.3B |
| Capital ratio | 9.02% | 14.01% (stronger) |
| Problem loans | 0.48% (stronger) | 0.69% |
| Net charge-offs | 0.04% (stronger) | 0.39% |
| Return on assets | 1.11% (stronger) | 0.73% |
| Loans ÷ deposits | 79.8% (stronger) | 82.3% |
| Uninsured deposits | 37.2% | 9.2% (stronger) |
| Offices | 17 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | — |
Beginnings Credit Union has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The Lyons National Bank leads on 4 and Beginnings Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Waterloo, NY