Side-by-side · Q2 2026 data
Tioga State Bank National Association vs U. H. S. Employees Federal Credit Union
Credit union
U. H. S. Employees Federal Credit Union
Johnson City, New York · Under $100 million in assets
Metric by metric
| Measure | Tioga State Bank National Association | U. H. S. Employees Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 72 (stronger) |
| Capital cushion | 64 (stronger) | 57 |
| Loan quality | 67 (stronger) | 65 |
| Earnings | 72 | 75 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 89 | 91 (stronger) |
| Peer percentile | 47th | 44th |
| Total assets | $625.2M | $25.6M |
| Deposits / shares | $538.1M | $22.7M |
| Capital ratio | 11.38% (stronger) | 10.66% |
| Problem loans | 1.00% (stronger) | 1.05% |
| Net charge-offs | 0.04% | -0.02% (stronger) |
| Return on assets | 1.31% | 1.38% (stronger) |
| Loans ÷ deposits | 71.9% | 53.6% (stronger) |
| Uninsured deposits | 22.4% | 0.0% (stronger) |
| Offices | 10 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
U. H. S. Employees Federal Credit Union has the higher TellerScore (72 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Tioga State Bank National Association leads on 2 and U. H. S. Employees Federal Credit Union on 5. 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.