Side-by-side · Q2 2026 data
Chemung Canal Trust Company, National Association vs Ghs 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 | Ghs Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 46 |
| Capital cushion | 64 (stronger) | 47 |
| Loan quality | 87 (stronger) | 0 |
| Earnings | 76 | 85 (stronger) |
| Funding & liquidity | 43 | 83 (stronger) |
| Problem-loan coverage | 93 (stronger) | 28 |
| Peer percentile | 66th | 3rd |
| Total assets | $2.8B | $252.7M |
| Deposits / shares | $2.4B | $217.1M |
| Capital ratio | 11.38% (stronger) | 9.68% |
| Problem loans | 0.38% (stronger) | 4.90% |
| Net charge-offs | 0.01% (stronger) | 1.11% |
| Return on assets | 1.40% | 1.62% (stronger) |
| Loans ÷ deposits | 98.9% | 77.3% (stronger) |
| Uninsured deposits | 31.4% | 5.3% (stronger) |
| Offices | 30 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.1% | 21.2% |
Chemung Canal Trust Company, National Association has the higher TellerScore (72 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Chemung Canal Trust Company, National Association leads on 4 and Ghs Federal Credit Union on 3. 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.