Side-by-side · Q2 2026 data
Circuit Federal Credit Union vs Tompkins Employees Federal Credit Union
Credit union
Tompkins Employees Federal Credit Union
Ithaca, New York · Under $100 million in assets
Metric by metric
| Measure | Circuit Federal Credit Union | Tompkins Employees Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 46 |
| Capital cushion | 83 (stronger) | 52 |
| Loan quality | 87 (stronger) | 0 |
| Earnings | 12 | 46 (stronger) |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 65 |
| Peer percentile | 42nd | 6th |
| Total assets | $11.5M | $12.1M |
| Deposits / shares | $9.9M | $10.8M |
| Capital ratio | 13.25% (stronger) | 10.21% |
| Problem loans | 0.39% (stronger) | 5.70% |
| Net charge-offs | -0.20% (stronger) | 5.44% |
| Return on assets | -0.19% | 0.64% (stronger) |
| Loans ÷ deposits | 75.3% | 34.8% (stronger) |
| Uninsured deposits | 2.3% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Circuit Federal Credit Union has the higher TellerScore (71 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Circuit Federal Credit Union leads on 4 and Tompkins Employees Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.