Side-by-side · Q2 2026 data
Tonawanda Community Federal Credit Union vs Stewart'S Federal Credit Union
Credit union
Tonawanda Community Federal Credit Union
Buffalo, New York · Under $100 million in assets
Credit union
Stewart'S Federal Credit Union
Saratoga Spring, New York · Under $100 million in assets
Metric by metric
| Measure | Tonawanda Community Federal Credit Union | Stewart'S Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 61 |
| Capital cushion | 61 (stronger) | 39 |
| Loan quality | 76 (stronger) | 73 |
| Earnings | 75 (stronger) | 55 |
| Funding & liquidity | 100 (stronger) | 71 |
| Problem-loan coverage | 96 (stronger) | 93 |
| Peer percentile | 57th | 23rd |
| Total assets | $49.3M | $47.3M |
| Deposits / shares | $43.8M | $42.8M |
| Capital ratio | 11.13% (stronger) | 8.87% |
| Problem loans | 0.73% (stronger) | 0.81% |
| Net charge-offs | 0.14% (stronger) | 0.84% |
| Return on assets | 1.38% (stronger) | 0.87% |
| Loans ÷ deposits | 32.1% (stronger) | 44.1% |
| Uninsured deposits | 1.4% (stronger) | 41.5% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tonawanda Community Federal Credit Union has the higher TellerScore (77 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Tonawanda Community Federal Credit Union leads on 7 and Stewart'S Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.