Tompkins Employees

Ithaca, NY · 1 · Charter #22962 · www.tefcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$12.3M
47th percentile
Members
1,139
41th percentile
Total loans
$4.0M
38th percentile
Total shares
$11.0M
50th percentile

Profitability

Return on assets
0.34%
29th percentile
Net interest margin
5.08%
84th percentile
Efficiency ratio
82.70%
20th percentile
Non-interest income ratio
12.81%
62th percentile

Capital & Risk

Net worth ratio
10.35%
18th percentile
Delinquency rate
1.81%
27th percentile
Net charge-off rate
0.05%
68th percentile
Loan-to-share
36.64%
18th percentile

Growth

Member growth YoY
21.56%
98th percentile
Asset growth YoY
4.29%
70th percentile
Loan growth YoY
-12.00%
18th percentile
Share growth YoY
4.44%
72th percentile

Operations

Members / branch
1,139
52th percentile
Assets / member
$10,823
63th percentile
Field of membership penetration
35.59%
49th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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