Side-by-side · Q2 2026 data
Ingersoll-Rand Federal Credit Union vs Finger Lakes Health Care Federal Credit Union
Credit union
Ingersoll-Rand Federal Credit Union
Sayre, Pennsylvania · $100 million – $1 billion
Credit union
Finger Lakes Health Care Federal Credit Union
Elmira, New York · Under $100 million in assets
Metric by metric
| Measure | Ingersoll-Rand Federal Credit Union | Finger Lakes Health Care Federal Credit Union |
|---|---|---|
| TellerScore | 62 | 89 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 49 | 99 (stronger) |
| Earnings | 12 | 45 (stronger) |
| Funding & liquidity | 90 | 100 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 26th | 87th |
| Total assets | $124.3M | $35.2M |
| Deposits / shares | $107.1M | $29.7M |
| Capital ratio | 13.53% | 15.54% (stronger) |
| Problem loans | 1.54% | 0.02% (stronger) |
| Net charge-offs | 1.00% | 0.08% (stronger) |
| Return on assets | -0.19% | 0.61% (stronger) |
| Loans ÷ deposits | 70.4% | 25.8% (stronger) |
| Uninsured deposits | 4.9% | 4.5% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.5% | — |
Finger Lakes Health Care Federal Credit Union has the higher TellerScore (89 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Ingersoll-Rand Federal Credit Union leads on 0 and Finger Lakes Health Care Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.