Side-by-side · Q2 2026 data
Tri-County Federal Credit Union vs Allegany First Federal Credit Union
Credit union
Allegany First Federal Credit Union
Fillmore, New York · Under $100 million in assets
Metric by metric
| Measure | Tri-County Federal Credit Union | Allegany First Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 85 (stronger) |
| Capital cushion | 100 (stronger) | 89 |
| Loan quality | 49 | 65 (stronger) |
| Earnings | 58 | 89 (stronger) |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 52nd | 77th |
| Total assets | $5.0M | $27.1M |
| Deposits / shares | $3.9M | $23.3M |
| Capital ratio | 21.23% (stronger) | 13.91% |
| Problem loans | 1.54% | 1.06% (stronger) |
| Net charge-offs | -0.26% (stronger) | 0.14% |
| Return on assets | 0.95% | 1.73% (stronger) |
| Loans ÷ deposits | 78.9% | 31.5% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Allegany First Federal Credit Union has the higher TellerScore (85 vs 75). On the 6 directional measures above (where higher or lower is clearly better), Tri-County Federal Credit Union leads on 2 and Allegany First Federal Credit Union on 4. 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.