Side-by-side · Q2 2026 data
Westside Community Federal Credit Union vs Gates Chili Federal Credit Union
Credit union
Westside Community Federal Credit Union
Churchville, New York · Under $100 million in assets
Credit union
Gates Chili Federal Credit Union
Rochester, New York · Under $100 million in assets
Metric by metric
| Measure | Westside Community Federal Credit Union | Gates Chili Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 64 |
| Capital cushion | 60 (stronger) | 27 |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 81 (stronger) | 41 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 75th | 28th |
| Total assets | $25.7M | $30.4M |
| Deposits / shares | $22.8M | $28.2M |
| Capital ratio | 10.97% (stronger) | 7.68% |
| Problem loans | 0.00% (stronger) | 0.24% |
| Net charge-offs | -0.01% (stronger) | 0.05% |
| Return on assets | 1.52% (stronger) | 0.51% |
| Loans ÷ deposits | 57.6% | 49.2% (stronger) |
| Uninsured deposits | 2.4% (stronger) | 4.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Westside Community Federal Credit Union has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Westside Community Federal Credit Union leads on 6 and Gates Chili Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.