Side-by-side · Q2 2026 data
Tioga State Bank National Association vs Ghs Federal Credit Union
Metric by metric
| Measure | Tioga State Bank National Association | Ghs Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 46 |
| Capital cushion | 64 (stronger) | 47 |
| Loan quality | 67 (stronger) | 0 |
| Earnings | 72 | 85 (stronger) |
| Funding & liquidity | 80 | 83 (stronger) |
| Problem-loan coverage | 89 (stronger) | 28 |
| Peer percentile | 47th | 3rd |
| Total assets | $625.2M | $252.7M |
| Deposits / shares | $538.1M | $217.1M |
| Capital ratio | 11.38% (stronger) | 9.68% |
| Problem loans | 1.00% (stronger) | 4.90% |
| Net charge-offs | 0.04% (stronger) | 1.11% |
| Return on assets | 1.31% | 1.62% (stronger) |
| Loans ÷ deposits | 71.9% (stronger) | 77.3% |
| Uninsured deposits | 22.4% | 5.3% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.2% |
Tioga State Bank National Association has the higher TellerScore (71 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Tioga State Bank National Association leads on 5 and Ghs Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.