This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
Tonawanda, NY
Health score
87.3
Total assets
$989.6K
Credit union
Washington, DC
Health score
50.8
Total assets
$991.2K
Answer first
BECCO BUFFALO leads on financial health and capitalization and lending quality; PHI BETA SIGMA leads on profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
BECCO BUFFALO
Higher TFS health score
Capitalization
BECCO BUFFALO
Higher comparable capital ratio
Profitability
PHI BETA SIGMA
Higher return on assets
Lending quality
BECCO BUFFALO
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | BECCO BUFFALO | PHI BETA SIGMA |
|---|---|---|
| TFS health score | 87.3/100Leads | 50.8/100 |
| Total assets | $989.6K | $991.2K |
| Total deposits / shares | $742.2K | $895.1K |
| Net worth ratio | 24.63%Leads | 10.06% |
| Return on assets | 1.49% | 1.84%Leads |
| Return on equity | 6.01% | 18.20% |
BECCO BUFFALO
1 branches
PHI BETA SIGMA
3 branches
No shared branch states were found in the current TFS branch dataset.
BECCO BUFFALO
Unavailable
PHI BETA SIGMA
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
BECCO BUFFALO
0 in TFS registry
PHI BETA SIGMA
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | BECCO BUFFALO score | BECCO BUFFALO ROA | PHI BETA SIGMA score | PHI BETA SIGMA ROA |
|---|---|---|---|---|
| 2026-Q1 | 74.5/100 | -5.22% | 26.5/100 | 0.23% |
| 2026-Q2 | 87.3/100 | 1.49% | 50.8/100 | 1.84% |
Keep watching
Get access to your dashboard watchlist and future financial-grade alerts.
Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| 60+ day delinquency | 0.78%Leads | 13.69% |
| Net charge-offs | 0.00%Leads | 5.75% |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 74.04% | 50.57% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 1 | 3 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |