Side-by-side · Q2 2026 data
Chemung Canal Trust Company, National Association vs First New York 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 New York Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 63 |
| Capital cushion | 64 (stronger) | 44 |
| Loan quality | 87 (stronger) | 84 |
| Earnings | 76 (stronger) | 40 |
| Funding & liquidity | 43 | 79 (stronger) |
| Problem-loan coverage | 93 (stronger) | 92 |
| Peer percentile | 66th | 29th |
| Total assets | $2.8B | $574.0M |
| Deposits / shares | $2.4B | $521.0M |
| Capital ratio | 11.38% (stronger) | 9.39% |
| Problem loans | 0.38% (stronger) | 0.48% |
| Net charge-offs | 0.01% (stronger) | 0.25% |
| Return on assets | 1.40% (stronger) | 0.51% |
| Loans ÷ deposits | 98.9% | 81.5% (stronger) |
| Uninsured deposits | 31.4% | 2.1% (stronger) |
| Offices | 30 | 7 |
| 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 63). On the 7 directional measures above (where higher or lower is clearly better), Chemung Canal Trust Company, National Association leads on 5 and First New York Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.