Side-by-side · Q2 2026 data
Tonawanda Valley Federal Credit Union vs ESL 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 | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 90 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 94 (stronger) | 70 |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 82nd | 92nd |
| Total assets | $170.7M | $10.8B |
| Deposits / shares | $151.1M | $6.2B |
| Capital ratio | 11.09% | 16.40% (stronger) |
| Problem loans | 0.19% (stronger) | 0.90% |
| Net charge-offs | 0.19% (stronger) | 0.83% |
| Return on assets | 1.42% | 2.26% (stronger) |
| Loans ÷ deposits | 56.6% (stronger) | 74.2% |
| Uninsured deposits | 1.1% (stronger) | 10.2% |
| Offices | 1 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.4% |
ESL Federal Credit Union has the higher TellerScore (90 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Tonawanda Valley Federal Credit Union leads on 4 and ESL Federal Credit Union on 3. 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.