Side-by-side · Q2 2026 data
Chemung Canal Trust Company, National Association vs Directors Choice Credit Union
Bank
Chemung Canal Trust Company, National Association
Elmira, New York · $1 billion – $10 billion
Metric by metric
| Measure | Chemung Canal Trust Company, National Association | Directors Choice Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 67 |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 87 (stronger) | 0 |
| Earnings | 76 | 81 (stronger) |
| Funding & liquidity | 43 | 86 (stronger) |
| Problem-loan coverage | 93 (stronger) | 79 |
| Peer percentile | 66th | 34th |
| Total assets | $2.8B | $11.9M |
| Deposits / shares | $2.4B | $9.1M |
| Capital ratio | 11.38% | 23.60% (stronger) |
| Problem loans | 0.38% (stronger) | 4.58% |
| Net charge-offs | 0.01% (stronger) | 2.64% |
| Return on assets | 1.40% | 1.52% (stronger) |
| Loans ÷ deposits | 98.9% | 69.9% (stronger) |
| Uninsured deposits | 31.4% | 18.6% (stronger) |
| Offices | 30 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.1% | — |
Chemung Canal Trust Company, National Association has the higher TellerScore (72 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Chemung Canal Trust Company, National Association leads on 3 and Directors Choice Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.