Side-by-side · Q2 2026 data
The Summit Federal Credit Union vs Westside Community Federal Credit Union
Credit union
Westside Community Federal Credit Union
Churchville, New York · Under $100 million in assets
Metric by metric
| Measure | The Summit Federal Credit Union | Westside Community Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 84 (stronger) |
| Capital cushion | 63 (stronger) | 60 |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 55 | 81 (stronger) |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 66th | 75th |
| Total assets | $1.5B | $25.7M |
| Deposits / shares | $1.3B | $22.8M |
| Capital ratio | 11.31% (stronger) | 10.97% |
| Problem loans | 0.34% | 0.00% (stronger) |
| Net charge-offs | 0.22% | -0.01% (stronger) |
| Return on assets | 0.86% | 1.52% (stronger) |
| Loans ÷ deposits | 91.7% | 57.6% (stronger) |
| Uninsured deposits | 5.6% | 2.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Westside Community Federal Credit Union has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), The Summit Federal Credit Union leads on 1 and Westside Community 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.