Side-by-side · Q2 2026 data
Tonawanda Valley Federal Credit Union vs Alternatives Federal Credit Union
Credit union
Tonawanda Valley Federal Credit Union
Batavia, New York · $100 million – $1 billion
Metric by metric
| Measure | Tonawanda Valley Federal Credit Union | Alternatives Federal Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 29 |
| Capital cushion | 61 (stronger) | 38 |
| Loan quality | 94 (stronger) | 0 |
| Earnings | 77 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 98 (stronger) | 36 |
| Peer percentile | 82nd | 0th |
| Total assets | $170.7M | $161.4M |
| Deposits / shares | $151.1M | $144.5M |
| Capital ratio | 11.09% (stronger) | 8.83% |
| Problem loans | 0.19% (stronger) | 4.71% |
| Net charge-offs | 0.19% (stronger) | 2.16% |
| Return on assets | 1.42% (stronger) | -1.01% |
| Loans ÷ deposits | 56.6% (stronger) | 67.4% |
| Uninsured deposits | 1.1% (stronger) | 8.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.9% |
Tonawanda Valley Federal Credit Union has the higher TellerScore (82 vs 29). On the 7 directional measures above (where higher or lower is clearly better), Tonawanda Valley Federal Credit Union leads on 7 and Alternatives Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.