Side-by-side · Q2 2026 data
Tri State Rail Federal Credit Union vs Southern Chautauqua Federal Credit Union
Credit union
Tri State Rail Federal Credit Union
Erie, Pennsylvania · Under $100 million in assets
Credit union
Southern Chautauqua Federal Credit Union
Lakewood, New York · $100 million – $1 billion
Metric by metric
| Measure | Tri State Rail Federal Credit Union | Southern Chautauqua Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 78 |
| Capital cushion | 100 | 100 |
| Loan quality | 83 (stronger) | 46 |
| Earnings | 40 | 85 (stronger) |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 75th | 74th |
| Total assets | $19.9M | $163.1M |
| Deposits / shares | $15.9M | $134.8M |
| Capital ratio | 19.98% (stronger) | 17.58% |
| Problem loans | 0.50% (stronger) | 1.61% |
| Net charge-offs | -0.17% (stronger) | 0.63% |
| Return on assets | 0.50% | 1.62% (stronger) |
| Loans ÷ deposits | 38.9% (stronger) | 85.9% |
| Uninsured deposits | 0.0% (stronger) | 5.3% |
| Offices | 3 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tri State Rail Federal Credit Union has the higher TellerScore (84 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Tri State Rail Federal Credit Union leads on 6 and Southern Chautauqua Federal Credit Union on 1. 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.