Side-by-side · Q2 2026 data
Williamsville Federal Credit Union vs Circuit Federal Credit Union
Credit union
Williamsville Federal Credit Union
Amherst, New York · Under $100 million in assets
Metric by metric
| Measure | Williamsville Federal Credit Union | Circuit Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 71 (stronger) |
| Capital cushion | 68 | 83 (stronger) |
| Loan quality | 95 (stronger) | 87 |
| Earnings | 4 | 12 (stronger) |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 40th | 42nd |
| Total assets | $11.1M | $11.5M |
| Deposits / shares | $9.8M | $9.9M |
| Capital ratio | 11.84% | 13.25% (stronger) |
| Problem loans | 0.15% (stronger) | 0.39% |
| Net charge-offs | 0.00% | -0.20% (stronger) |
| Return on assets | -0.39% | -0.19% (stronger) |
| Loans ÷ deposits | 51.5% (stronger) | 75.3% |
| Uninsured deposits | 1.7% (stronger) | 2.3% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Circuit Federal Credit Union has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Williamsville Federal Credit Union leads on 3 and Circuit Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.