Side-by-side · Q2 2026 data
Tonawanda Community Federal Credit Union vs Syracuse Cooperative
Credit union
Tonawanda Community Federal Credit Union
Buffalo, New York · Under $100 million in assets
Metric by metric
| Measure | Tonawanda Community Federal Credit Union | Syracuse Cooperative |
|---|---|---|
| TellerScore | 77 (stronger) | 61 |
| Capital cushion | 61 | 94 (stronger) |
| Loan quality | 76 (stronger) | 0 |
| Earnings | 75 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 59 |
| Problem-loan coverage | 96 (stronger) | 38 |
| Peer percentile | 57th | 23rd |
| Total assets | $49.3M | $47.2M |
| Deposits / shares | $43.8M | $38.4M |
| Capital ratio | 11.13% | 14.43% (stronger) |
| Problem loans | 0.73% (stronger) | 5.24% |
| Net charge-offs | 0.14% (stronger) | 0.28% |
| Return on assets | 1.38% | 3.22% (stronger) |
| Loans ÷ deposits | 32.1% (stronger) | 101.7% |
| Uninsured deposits | 1.4% (stronger) | 13.9% |
| 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 5 and Syracuse Cooperative on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.