Side-by-side · Q2 2026 data
Chemung Canal Trust Company, National Association vs Parks Heritage Federal Credit Union
Bank
Chemung Canal Trust Company, National Association
Elmira, New York · $1 billion – $10 billion
Credit union
Parks Heritage Federal Credit Union
Glens Falls, New York · Under $100 million in assets
Metric by metric
| Measure | Chemung Canal Trust Company, National Association | Parks Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 90 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 87 | 91 (stronger) |
| Earnings | 76 (stronger) | 66 |
| Funding & liquidity | 43 | 94 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 66th | 89th |
| Total assets | $2.8B | $42.3M |
| Deposits / shares | $2.4B | $35.3M |
| Capital ratio | 11.38% | 16.62% (stronger) |
| Problem loans | 0.38% | 0.28% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.26% |
| Return on assets | 1.40% (stronger) | 1.15% |
| Loans ÷ deposits | 98.9% | 65.8% (stronger) |
| Uninsured deposits | 31.4% | 3.1% (stronger) |
| Offices | 30 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.1% | — |
Parks Heritage Federal Credit Union has the higher TellerScore (90 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Chemung Canal Trust Company, National Association leads on 2 and Parks Heritage Federal Credit Union on 5. 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.