Side-by-side · Q2 2026 data
Chemung Canal Trust Company, National Association vs First Heritage Federal 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 | First Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 72 |
| Capital cushion | 64 (stronger) | 61 |
| Loan quality | 87 (stronger) | 85 |
| Earnings | 76 (stronger) | 58 |
| Funding & liquidity | 43 | 78 (stronger) |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 66th | 57th |
| Total assets | $2.8B | $839.7M |
| Deposits / shares | $2.4B | $748.4M |
| Capital ratio | 11.38% (stronger) | 11.06% |
| Problem loans | 0.38% (stronger) | 0.44% |
| Net charge-offs | 0.01% (stronger) | 0.28% |
| Return on assets | 1.40% (stronger) | 0.96% |
| Loans ÷ deposits | 98.9% | 82.1% (stronger) |
| Uninsured deposits | 31.4% | 9.5% (stronger) |
| Offices | 30 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.1% | 24.0% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Chemung Canal Trust Company, National Association leads on 4 and First Heritage Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Elmira, NY
- Horseheads, NY
- Corning, NY
- Elmira Heights, NY