Federal credit union · Ithaca, New York · NCUA charter #22962
Tompkins Employees
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $12.3M
- Total assets
- 1,139
- Members
- 10.4%
- Net-worth ratio
Tompkins Employees scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.3M; members 1,139; net-worth ratio 10.41%; health rank #3,005 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,005 of 4,374 health · 2025Q4Tompkins Employees · health 78/100 · $12.3M · 2025Q4
Call Report peers
Tompkins Employees in the assets neighbourhood
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Tompkins Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Tompkins Employees sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Tompkins Employees diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -23.16 pp (36.64% vs 59.80%).
New York standing for Tompkins Employees
- New York health ordinal: #171 of 272.
- Assets rank #203 of 272 inside New York ($12.3M reported).
- New York membership ordinal: #212 of 272.
- One place up in New York, CONSUMERS (#170) ties at 78/100; one place down, Gates Chili (#172) ties at 78/100.
Tompkins Employees: 2025Q4 → 2026Q1
Tompkins Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $12.3M (2025Q4) to $12.5M (2026Q1).
- Net-worth ratio shifted +0.06 pp (10.35% → 10.41%).
At 10.41%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Tompkins Employees gives up 22 points in total. Delinquency Rate costs the most, 11.1 of its 25; Net Worth Ratio and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.9 pts
- Return on Assets 10.1 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.41% | -4.45 pp |
| Delinquency Rate | 1.81% | +0.66 pp |
| Return on Assets | 0.17% | -0.53 pp |
| Member Growth | 21.56% | - |
| Loan-to-Share Ratio | 36.64% | -23.16 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Tompkins Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.5M | - |
| 2025Q4 | $12.3M | 1,139 |
| 2024Q4 | $11.8M | 937 |
| 2023Q4 | $11.3M | 1,012 |
Credit Union Details
- Charter Number
- 22962
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New York
- City
- Ithaca
- Data Quarter
- 2025Q4
Branch Location
Tompkins Employees operates a single office in Ithaca, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| TEFCU (Main Office) | Ithaca, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Other-state peers near Tompkins Employees
Using this data
- Tompkins Employees ranks #3,005 of 4,374 nationally on financial health and #171 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greece Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greece Community
Frequently Asked Questions
Is Tompkins Employees financially healthy?
Tompkins Employees has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,005 of 4,374 nationally on health and #171 of 272 in New York. Its net worth ratio is 10.41% and its delinquency rate 1.81%.
How does Tompkins Employees compare to other credit unions?
Tompkins Employees scores 78/100, higher than 31% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (36.64% vs 59.80%).
How can I join Tompkins Employees?
Tompkins Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Tompkins Employees directly for the current list of qualifying groups.
Is my money safe at Tompkins Employees?
Tompkins Employees is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Tompkins Employees's net worth ratio of 10.41% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.