Side-by-side · Q2 2026 data
U. H. S. Employees Federal Credit Union vs Allegany First Federal Credit Union
Credit union
U. H. S. Employees Federal Credit Union
Johnson City, New York · Under $100 million in assets
Credit union
Allegany First Federal Credit Union
Fillmore, New York · Under $100 million in assets
Metric by metric
| Measure | U. H. S. Employees Federal Credit Union | Allegany First Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 85 (stronger) |
| Capital cushion | 57 | 89 (stronger) |
| Loan quality | 65 | 65 |
| Earnings | 75 | 89 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 44th | 77th |
| Total assets | $25.6M | $27.1M |
| Deposits / shares | $22.7M | $23.3M |
| Capital ratio | 10.66% | 13.91% (stronger) |
| Problem loans | 1.05% (stronger) | 1.06% |
| Net charge-offs | -0.02% (stronger) | 0.14% |
| Return on assets | 1.38% | 1.73% (stronger) |
| Loans ÷ deposits | 53.6% | 31.5% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Allegany First Federal Credit Union has the higher TellerScore (85 vs 72). On the 6 directional measures above (where higher or lower is clearly better), U. H. S. Employees Federal Credit Union leads on 2 and Allegany First Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.