Side-by-side · Q2 2026 data
The First National Bank of Groton 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 | The First National Bank of Groton | Tompkins Employees Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 46 |
| Capital cushion | 96 (stronger) | 52 |
| Loan quality | 46 (stronger) | 0 |
| Earnings | 72 (stronger) | 46 |
| Funding & liquidity | 97 | 100 (stronger) |
| Problem-loan coverage | 86 (stronger) | 65 |
| Peer percentile | 72nd | 6th |
| Total assets | $203.9M | $12.1M |
| Deposits / shares | $175.1M | $10.8M |
| Capital ratio | 14.58% (stronger) | 10.21% |
| Problem loans | 1.62% (stronger) | 5.70% |
| Net charge-offs | 0.08% (stronger) | 5.44% |
| Return on assets | 1.30% (stronger) | 0.64% |
| Loans ÷ deposits | 59.7% | 34.8% (stronger) |
| Uninsured deposits | 17.9% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.3% | — |
The First National Bank of Groton has the higher TellerScore (78 vs 46). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Groton 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.