Side-by-side · Q2 2026 data
Tioga State Bank National Association vs Visions Federal Credit Union
Metric by metric
| Measure | Tioga State Bank National Association | Visions Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 64 |
| Capital cushion | 64 (stronger) | 50 |
| Loan quality | 67 | 70 (stronger) |
| Earnings | 72 (stronger) | 44 |
| Funding & liquidity | 80 | 89 (stronger) |
| Problem-loan coverage | 89 | 89 |
| Peer percentile | 47th | 36th |
| Total assets | $625.2M | $5.5B |
| Deposits / shares | $538.1M | $4.9B |
| Capital ratio | 11.38% (stronger) | 10.00% |
| Problem loans | 1.00% | 0.89% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.36% |
| Return on assets | 1.31% (stronger) | 0.59% |
| Loans ÷ deposits | 71.9% | 71.5% (stronger) |
| Uninsured deposits | 22.4% | 9.9% (stronger) |
| Offices | 10 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 32.6% |
Tioga State Bank National Association has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Tioga State Bank National Association leads on 4 and Visions Federal Credit Union on 3. 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.
Where both have branches
- Binghamton, NY
- Vestal, NY
- Endwell, NY
- Johnson City, NY
- Owego, NY
- Spencer, NY