Side-by-side · Q2 2026 data
Transit Federal Credit Union vs Kaleida Health Federal Credit Union
Credit union
Transit Federal Credit Union
Valley Stream, New York · Under $100 million in assets
Credit union
Kaleida Health Federal Credit Union
Buffalo, New York · Under $100 million in assets
Metric by metric
| Measure | Transit Federal Credit Union | Kaleida Health Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 90 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 93 | 97 (stronger) |
| Earnings | 54 | 66 (stronger) |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 49th | 89th |
| Total assets | $19.0M | $19.8M |
| Deposits / shares | $17.1M | $16.2M |
| Capital ratio | 10.00% | 17.69% (stronger) |
| Problem loans | 0.22% | 0.10% (stronger) |
| Net charge-offs | 2.64% | -0.09% (stronger) |
| Return on assets | 0.84% | 1.16% (stronger) |
| Loans ÷ deposits | 11.9% (stronger) | 74.1% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kaleida Health Federal Credit Union has the higher TellerScore (90 vs 74). On the 6 directional measures above (where higher or lower is clearly better), Transit Federal Credit Union leads on 1 and Kaleida Health Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.