Side-by-side · Q2 2026 data
Niagara Falls Teachers Federal Credit Union vs Tompkins Employees Federal Credit Union
Credit union
Niagara Falls Teachers Federal Credit Union
Niagara Falls, New York · Under $100 million in assets
Credit union
Tompkins Employees Federal Credit Union
Ithaca, New York · Under $100 million in assets
Metric by metric
| Measure | Niagara Falls Teachers Federal Credit Union | Tompkins Employees Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 46 |
| Capital cushion | 100 (stronger) | 52 |
| Loan quality | 86 (stronger) | 0 |
| Earnings | 64 (stronger) | 46 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 65 |
| Peer percentile | 87th | 6th |
| Total assets | $13.6M | $12.1M |
| Deposits / shares | $11.1M | $10.8M |
| Capital ratio | 18.43% (stronger) | 10.21% |
| Problem loans | 0.43% (stronger) | 5.70% |
| Net charge-offs | 0.19% (stronger) | 5.44% |
| Return on assets | 1.09% (stronger) | 0.64% |
| Loans ÷ deposits | 42.6% | 34.8% (stronger) |
| Uninsured deposits | 0.7% | 0.0% (stronger) |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Niagara Falls Teachers Federal Credit Union has the higher TellerScore (89 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Niagara Falls Teachers Federal Credit Union leads on 5 and Tompkins Employees Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.