Side-by-side · Q2 2026 data
Westside Community Federal Credit Union vs Allegany First Federal Credit Union
Credit union
Westside Community Federal Credit Union
Churchville, 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 | Westside Community Federal Credit Union | Allegany First Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 85 (stronger) |
| Capital cushion | 60 | 89 (stronger) |
| Loan quality | 100 (stronger) | 65 |
| Earnings | 81 | 89 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 75th | 77th |
| Total assets | $25.7M | $27.1M |
| Deposits / shares | $22.8M | $23.3M |
| Capital ratio | 10.97% | 13.91% (stronger) |
| Problem loans | 0.00% (stronger) | 1.06% |
| Net charge-offs | -0.01% (stronger) | 0.14% |
| Return on assets | 1.52% | 1.73% (stronger) |
| Loans ÷ deposits | 57.6% | 31.5% (stronger) |
| Uninsured deposits | 2.4% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Allegany First Federal Credit Union has the higher TellerScore (85 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Westside Community Federal Credit Union leads on 2 and Allegany First Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.