Side-by-side · Q2 2026 data
Tompkins Employees Federal Credit Union vs Directors Choice 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 | Directors Choice Credit Union |
|---|---|---|
| TellerScore | 46 | 67 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 0 | 0 |
| Earnings | 46 | 81 (stronger) |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 65 | 79 (stronger) |
| Peer percentile | 6th | 34th |
| Total assets | $12.1M | $11.9M |
| Deposits / shares | $10.8M | $9.1M |
| Capital ratio | 10.21% | 23.60% (stronger) |
| Problem loans | 5.70% | 4.58% (stronger) |
| Net charge-offs | 5.44% | 2.64% (stronger) |
| Return on assets | 0.64% | 1.52% (stronger) |
| Loans ÷ deposits | 34.8% (stronger) | 69.9% |
| Uninsured deposits | 0.0% (stronger) | 18.6% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Directors Choice Credit Union has the higher TellerScore (67 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Tompkins Employees Federal Credit Union leads on 2 and Directors Choice Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.