TellerScore

Headquartered in Ithaca, New York, Tompkins Employees Federal Credit Union is a federal credit union with $12.1M in total assets and $10.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1978.

Tompkins Employees Federal Credit Union has a TellerScore of 46 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 253rd. Funding & liquidity contributes the most (100/100, 35% loans-to-deposits, 0% uninsured); loan quality contributes the least (0/100, 5.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.21%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 5.70%
Earnings46/100
Return on assets (annualized): 0.64%
Funding & liquidity100/100
Loans ÷ shares: 34.8% · 0.0% uninsured
Problem-loan coverage65/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 17.38%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 17 points (63 → 46), mostly because the loan quality component weakened by 80 points.

TellerScore
466176Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202471
Q4 202467
Q1 202572
Q2 202563
Q3 202557
Q4 202557
Q1 202648
Q2 202646
Net worth ratio
7.00%9.06%11.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.12%
Q3 202410.75%
Q4 202410.52%
Q1 202510.72%
Q2 202510.15%
Q3 20259.84%
Q4 202510.35%
Q1 202610.41%
Q2 202610.21%
Delinquent loans (60+ days)
0.31%4.02%7.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.31%
Q4 20240.51%
Q1 20250.32%
Q2 20250.59%
Q3 20251.09%
Q4 20251.81%
Q1 20267.72%
Q2 20265.70%
Return on assets
-0.24%0.35%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.93%
Q3 20240.34%
Q4 20240.18%
Q1 20250.53%
Q2 2025-0.15%
Q3 2025-0.24%
Q4 20250.34%
Q1 20260.94%
Q2 20260.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202646$12.1M10.21%5.70%0.64%34.8%
Q1 202648$12.5M10.41%7.72%0.94%35.5%
Q4 202557$12.3M10.35%1.81%0.34%36.6%
Q3 202557$12.3M9.84%1.09%-0.24%38.8%
Q2 202563$12.1M10.15%0.59%-0.15%40.9%
Q1 202572$11.8M10.72%0.32%0.53%42.7%
Q4 202467$11.8M10.52%0.51%0.18%43.5%
Q3 202471$11.7M10.75%0.31%0.34%44.9%
Q2 202476$11.5M11.12%0.35%0.93%47.9%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.21%
18th
Problem loans5.70%
5th
Net charge-offs5.44%
1st
Return on assets0.64%
50th
Loans to deposits34.8%
84th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio17.4%
6th

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InstitutionScoreAssetsCapitalProblem loansCompare
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Circuit Federal Credit UnionCredit union Cheektowaga, NY71 out of 100, Strong$11.5M13.3%0.39%vs
Transfiguration Parish Federal Credit UnionCredit union Brooklyn, NY57 out of 100, Moderate$12.9M6.6%0.09%vs
Greece Community Federal Credit UnionCredit union Rochester, NY83 out of 100, Strong$13.0M12.3%0.05%vs
Williamsville Federal Credit UnionCredit union Amherst, NY70 out of 100, Strong$11.1M11.8%0.15%vs
Sing Sing Employees Federal Credit UnionCredit union Briarcliff Mano, NY73 out of 100, Strong$11.0M15.6%1.26%vs

Deposit insurance

Is my money safe at Tompkins Employees Federal Credit Union?

Yes. Tompkins Employees Federal Credit Union is a federally insured credit union (NCUA charter #22962). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.21%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Tompkins Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Tompkins Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
22962
RSSD ID
663683
Primary regulator
NCUA
Established
1978
Headquarters
202 Taughannock Ste. 1B, Ithaca, NY 14850
Employees
4

Quick answers

Tompkins Employees Federal Credit Union: common questions

Is Tompkins Employees Federal Credit Union NCUA insured?

Yes. Tompkins Employees Federal Credit Union is a federally insured credit union (NCUA charter #22962). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Tompkins Employees Federal Credit Union's TellerScore?

46 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Tompkins Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank of DrydenBank Dryden, NY80 out of 100, Strong$203.9M13.5%0.93%vs
The First National Bank of GrotonBank Groton, NY78 out of 100, Strong$203.9M14.6%1.62%vs
Beginnings Credit UnionCredit union Ithaca, NY77 out of 100, Strong$1.5B14.0%0.69%vs
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First Heritage Federal Credit UnionCredit union Corning, NY72 out of 100, Strong$839.7M11.1%0.44%vs
Tioga State Bank National AssociationBank Spencer, NY71 out of 100, Strong$625.2M11.4%1.00%vs