Side-by-side · Q2 2026 data
Tompkins Employees Federal Credit Union vs Beginnings Credit Union
Credit union
Tompkins Employees Federal Credit Union
Ithaca, New York · Under $100 million in assets
Metric by metric
| Measure | Tompkins Employees Federal Credit Union | Beginnings Credit Union |
|---|---|---|
| TellerScore | 46 | 77 (stronger) |
| Capital cushion | 52 | 90 (stronger) |
| Loan quality | 0 | 77 (stronger) |
| Earnings | 46 | 49 (stronger) |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 65 | 93 (stronger) |
| Peer percentile | 6th | 82nd |
| Total assets | $12.1M | $1.5B |
| Deposits / shares | $10.8M | $1.3B |
| Capital ratio | 10.21% | 14.01% (stronger) |
| Problem loans | 5.70% | 0.69% (stronger) |
| Net charge-offs | 5.44% | 0.39% (stronger) |
| Return on assets | 0.64% | 0.73% (stronger) |
| Loans ÷ deposits | 34.8% (stronger) | 82.3% |
| Uninsured deposits | 0.0% (stronger) | 9.2% |
| Offices | 1 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Beginnings Credit Union has the higher TellerScore (77 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Tompkins Employees Federal Credit Union 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.