Side-by-side · Q2 2026 data
Ulster Federal Credit Union vs Tonawanda Valley Federal Credit Union
Credit union
Tonawanda Valley Federal Credit Union
Batavia, New York · $100 million – $1 billion
Metric by metric
| Measure | Ulster Federal Credit Union | Tonawanda Valley Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 82 (stronger) |
| Capital cushion | 53 | 61 (stronger) |
| Loan quality | 73 | 94 (stronger) |
| Earnings | 45 | 77 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 41st | 82nd |
| Total assets | $179.0M | $170.7M |
| Deposits / shares | $167.7M | $151.1M |
| Capital ratio | 10.33% | 11.09% (stronger) |
| Problem loans | 0.81% | 0.19% (stronger) |
| Net charge-offs | 0.25% | 0.19% (stronger) |
| Return on assets | 0.62% | 1.42% (stronger) |
| Loans ÷ deposits | 25.7% (stronger) | 56.6% |
| Uninsured deposits | 4.9% | 1.1% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Tonawanda Valley Federal Credit Union has the higher TellerScore (82 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Ulster Federal Credit Union leads on 1 and Tonawanda Valley Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.