Federal credit union · Ithaca, New York · NCUA charter #22962
Tompkins Employees
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $12.3M
- Total assets
- 1,139
- Members
- 9.5%
- Net-worth ratio
Tompkins Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #22962, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Tompkins Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)96
- Asset quality (delinquency)56
- Earnings (ROA)67
- Member growth100
- Liquidity (loan-to-share)62
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.46% | 30% |
| Delinquency Rate | 1.81% | 25% |
| Return on Assets | 0.17% | 15% |
| Member Growth | 21.56% | 15% |
| Loan-to-Share Ratio | 36.64% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Tompkins Employees
Tompkins Employees is a federal credit union headquartered in Ithaca, New York, serving 1,139 members with $12.3M in total assets and $4.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 77/100 (Very Good), anchored by a net worth ratio of 9.46% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #22962 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 1.81% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Meanwhile a 36.64% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.17% on net income of $21K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 21.56%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Tompkins Employees financially healthy?
Yes/no aside, the number is 77/100 (Very Good) - Tompkins Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.46% net worth ratio and 1.81% delinquency rate are the key drivers.
How does Tompkins Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Tompkins Employees's 77/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Tompkins Employees are 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 9.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tompkins Employees offer compared to banks?
Credit unions like Tompkins Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Tompkins Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.