Side-by-side · Q2 2026 data
Tioga State Bank National Association vs Beginnings Credit Union
Metric by metric
| Measure | Tioga State Bank National Association | Beginnings Credit Union |
|---|---|---|
| TellerScore | 71 | 77 (stronger) |
| Capital cushion | 64 | 90 (stronger) |
| Loan quality | 67 | 77 (stronger) |
| Earnings | 72 (stronger) | 49 |
| Funding & liquidity | 80 (stronger) | 78 |
| Problem-loan coverage | 89 | 93 (stronger) |
| Peer percentile | 47th | 82nd |
| Total assets | $625.2M | $1.5B |
| Deposits / shares | $538.1M | $1.3B |
| Capital ratio | 11.38% | 14.01% (stronger) |
| Problem loans | 1.00% | 0.69% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.39% |
| Return on assets | 1.31% (stronger) | 0.73% |
| Loans ÷ deposits | 71.9% (stronger) | 82.3% |
| Uninsured deposits | 22.4% | 9.2% (stronger) |
| Offices | 10 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Beginnings Credit Union has the higher TellerScore (77 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Tioga State Bank National Association leads on 3 and Beginnings Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.