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
BATH, NY
Health score
57.1
Total assets
$35.8M
Credit union
New York, NY
Health score
67.5
Total assets
$35.8M
Answer first
STEUBEN CITIZENS leads on lending quality; THE FINEST leads on financial health and capitalization and 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
THE FINEST
Higher TFS health score
Capitalization
THE FINEST
Higher comparable capital ratio
Profitability
THE FINEST
Higher return on assets
Lending quality
STEUBEN CITIZENS
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | STEUBEN CITIZENS | THE FINEST |
|---|---|---|
| TFS health score | 57.1/100 | 67.5/100Leads |
| Total assets | $35.8M | $35.8M |
| Total deposits / shares | $30.5M | $27.6M |
| Net worth ratio | 12.22% | 23.82%Leads |
| Return on assets | 0.50% | 1.08%Leads |
| Return on equity | 4.10% | 4.54% |
STEUBEN CITIZENS
3 branches
THE FINEST
1 branches
Both institutions report branches in 1 state: NY.
STEUBEN CITIZENS
Unavailable
THE FINEST
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.
STEUBEN CITIZENS
0 in TFS registry
THE FINEST
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.
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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. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 60+ day delinquency | 0.18%Leads | 1.96% |
| Net charge-offs | 0.03%Leads | 2.55% |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 30.11% | 99.61% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 3 | 1 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |