Side-by-side · Q2 2026 data
Tompkins Bank & Trust vs Beginnings Credit Union
Metric by metric
| Measure | Tompkins Bank & Trust | Beginnings Credit Union |
|---|---|---|
| TellerScore | 60 | 77 (stronger) |
| Capital cushion | 41 | 90 (stronger) |
| Loan quality | 73 | 77 (stronger) |
| Earnings | 75 (stronger) | 49 |
| Funding & liquidity | 40 | 78 (stronger) |
| Problem-loan coverage | 88 | 93 (stronger) |
| Peer percentile | 21st | 82nd |
| Total assets | $8.8B | $1.5B |
| Deposits / shares | $7.2B | $1.3B |
| Capital ratio | 9.11% | 14.01% (stronger) |
| Problem loans | 0.80% | 0.69% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.39% |
| Return on assets | 1.38% (stronger) | 0.73% |
| Loans ÷ deposits | 91.2% | 82.3% (stronger) |
| Uninsured deposits | 41.3% | 9.2% (stronger) |
| Offices | 56 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.9% | — |
Beginnings Credit Union has the higher TellerScore (77 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Tompkins Bank & Trust leads on 2 and Beginnings 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.