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
- ROA 78/100
- ASSETS 10.4%
- MEM 1.81%
- RANK 0.17%
- PHOTO $12.3M
- BOOK 1,139
- CHARTER #3,005/4,374
- NCUSIF KRAFTCOR
- CAMELS 22962
Call Report peers
Tompkins Employees in the assets neighbourhood
Tompkins Employees's $12.3M assets sit next to KRAFTCOR ($12.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Tompkins Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Where Tompkins Employees diverges from peer averages
- Widest shortfall vs peers is Loan-to-Share Ratio: -23.16 pp (36.64% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Tompkins Employees: 2025Q4 → 2026Q1
Tompkins Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $12.3M (2025Q4) to $12.5M (2026Q1).
- Net-worth ratio shifted +0.06 pp (10.35% → 10.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Tompkins Employees - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Tompkins Employees financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - Tompkins Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,005 of 4,374; by total assets it ranks #3,442 of 4,374 nationally (same basis as /rankings/largest); and #203 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.41% 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 78/100 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 10.41% 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.
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.