Side-by-side · Q2 2026 data
Tompkins State Bank vs United Equity Credit Union
Metric by metric
| Measure | Tompkins State Bank | United Equity Credit Union |
|---|---|---|
| TellerScore | 73 | 94 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 93 (stronger) | 92 |
| Earnings | 59 | 87 (stronger) |
| Funding & liquidity | 93 (stronger) | 88 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 53rd | 95th |
| Total assets | $303.5M | $66.2M |
| Deposits / shares | $274.3M | $53.7M |
| Capital ratio | 9.82% | 18.66% (stronger) |
| Problem loans | 0.20% (stronger) | 0.23% |
| Net charge-offs | 0.09% (stronger) | 0.21% |
| Return on assets | 0.98% | 1.68% (stronger) |
| Loans ÷ deposits | 61.3% (stronger) | 72.5% |
| Uninsured deposits | 20.3% | 0.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Equity Credit Union has the higher TellerScore (94 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Tompkins State Bank leads on 3 and United Equity Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.