Side-by-side · Q2 2026 data
First Heritage 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 | First Heritage Federal Credit Union | Tompkins Employees Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 46 |
| Capital cushion | 61 (stronger) | 52 |
| Loan quality | 85 (stronger) | 0 |
| Earnings | 58 (stronger) | 46 |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 94 (stronger) | 65 |
| Peer percentile | 57th | 6th |
| Total assets | $839.7M | $12.1M |
| Deposits / shares | $748.4M | $10.8M |
| Capital ratio | 11.06% (stronger) | 10.21% |
| Problem loans | 0.44% (stronger) | 5.70% |
| Net charge-offs | 0.28% (stronger) | 5.44% |
| Return on assets | 0.96% (stronger) | 0.64% |
| Loans ÷ deposits | 82.1% | 34.8% (stronger) |
| Uninsured deposits | 9.5% | 0.0% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.0% | — |
First Heritage Federal Credit Union has the higher TellerScore (72 vs 46). On the 7 directional measures above (where higher or lower is clearly better), First Heritage Federal Credit Union leads on 5 and Tompkins Employees Federal Credit Union on 2. 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.