Side-by-side · Q2 2026 data
Tompkins Bank & Trust vs First Heritage Federal Credit Union
Metric by metric
| Measure | Tompkins Bank & Trust | First Heritage Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 72 (stronger) |
| Capital cushion | 41 | 61 (stronger) |
| Loan quality | 73 | 85 (stronger) |
| Earnings | 75 (stronger) | 58 |
| Funding & liquidity | 40 | 78 (stronger) |
| Problem-loan coverage | 88 | 94 (stronger) |
| Peer percentile | 21st | 57th |
| Total assets | $8.8B | $839.7M |
| Deposits / shares | $7.2B | $748.4M |
| Capital ratio | 9.11% | 11.06% (stronger) |
| Problem loans | 0.80% | 0.44% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.28% |
| Return on assets | 1.38% (stronger) | 0.96% |
| Loans ÷ deposits | 91.2% | 82.1% (stronger) |
| Uninsured deposits | 41.3% | 9.5% (stronger) |
| Offices | 56 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.9% | 24.0% |
First Heritage Federal Credit Union has the higher TellerScore (72 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Tompkins Bank & Trust leads on 2 and First Heritage 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.