Side-by-side · Q2 2026 data
Chemung Canal Trust Company, National Association vs Servu 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 | Servu Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 86 (stronger) |
| Capital cushion | 64 | 98 (stronger) |
| Loan quality | 87 (stronger) | 84 |
| Earnings | 76 | 76 |
| Funding & liquidity | 43 | 74 (stronger) |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 66th | 89th |
| Total assets | $2.8B | $529.2M |
| Deposits / shares | $2.4B | $446.1M |
| Capital ratio | 11.38% | 14.83% (stronger) |
| Problem loans | 0.38% (stronger) | 0.47% |
| Net charge-offs | 0.01% (stronger) | 0.20% |
| Return on assets | 1.40% (stronger) | 1.40% |
| Loans ÷ deposits | 98.9% | 86.1% (stronger) |
| Uninsured deposits | 31.4% | 3.6% (stronger) |
| Offices | 30 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.1% | 12.8% |
Servu Federal Credit Union has the higher TellerScore (86 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Chemung Canal Trust Company, National Association leads on 3 and Servu Federal 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.
Where both have branches
- Bath, NY
- Corning, NY