TOMPKINS EMPLOYEES
Charter #22962 · Ithaca, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 782 sits at the 10th percentile of structural peers — worth a closer look.
- Net worth ratio of 10.41% sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.81% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 7.72% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 3.01% sits at the 95th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TOMPKINS EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.53M | 12th pct | 21th pct |
| Members | 782 | 2th pct | 10th pct |
| Net worth ratio | 10.41% | 21th pct | 23th pct |
| Return on average assets | 0.95% | 66th pct | 62th pct |
| Net interest margin | 4.81% | 87th pct | 93th pct |
| Cost of funds | 0.41% | 27th pct | 38th pct |
| Loan-to-share | 35.54% | 15th pct | 34th pct |
| Delinquency 60+ days | 7.72% | 99th pct | 98th pct |
| Net charge-off ratio | 3.01% | 97th pct | 95th pct |
| Loan growth YoY | -7.13% | 17th pct | 41th pct |
| Share growth YoY | 1.28% | 38th pct | 41th pct |
| Efficiency ratio | 82.71% | 56th pct | 62th pct |
structural peer set hash: 8d6089fbbcc0a4f805dce3ceacbdaa87… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.