Headquartered in Briarcliff Mano, New York, Academic Federal Credit Union is a federal credit union with $33.7M in total assets and $29.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1979.
Based on its Q2 2026 filing, Academic Federal Credit Union scores 71/100, which we describe as strong. That is higher than only 42% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 131st. Its strongest component is funding & liquidity (100/100; 36% loans-to-deposits, 0% uninsured), and its lowest is loan quality (55/100; 1.34%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 28 points (43 → 71), mostly because the earnings component improved by 50 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 44 |
| Q4 2024 | 61 |
| Q1 2025 | 63 |
| Q2 2025 | 43 |
| Q3 2025 | 70 |
| Q4 2025 | 63 |
| Q1 2026 | 53 |
| Q2 2026 | 71 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.03% |
| Q3 2024 | 10.24% |
| Q4 2024 | 9.77% |
| Q1 2025 | 9.87% |
| Q2 2025 | 9.91% |
| Q3 2025 | 10.54% |
| Q4 2025 | 10.51% |
| Q1 2026 | 10.08% |
| Q2 2026 | 11.44% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 2.48% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.37% |
| Q2 2025 | 2.82% |
| Q3 2025 | 0.72% |
| Q4 2025 | 1.38% |
| Q1 2026 | 1.74% |
| Q2 2026 | 1.34% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.30% |
| Q3 2024 | -0.34% |
| Q4 2024 | -0.27% |
| Q1 2025 | -0.27% |
| Q2 2025 | -0.03% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.62% |
| Q1 2026 | -0.08% |
| Q2 2026 | 1.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $33.7M | 11.44% | 1.34% | 1.22% | 35.8% |
| Q1 2026 | 53 | $36.1M | 10.08% | 1.74% | -0.08% | 34.3% |
| Q4 2025 | 63 | $34.7M | 10.51% | 1.38% | 0.62% | 37.1% |
| Q3 2025 | 70 | $34.4M | 10.54% | 0.72% | 0.73% | 38.6% |
| Q2 2025 | 43 | $34.6M | 9.91% | 2.82% | -0.03% | 38.0% |
| Q1 2025 | 63 | $34.6M | 9.87% | 0.37% | -0.27% | 39.5% |
| Q4 2024 | 61 | $35.2M | 9.77% | 0.61% | -0.27% | 40.0% |
| Q3 2024 | 44 | $33.6M | 10.24% | 2.48% | -0.34% | 43.3% |
| Q2 2024 | 60 | $34.7M | 10.03% | 0.79% | -0.30% | 43.0% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Gowanda Area Federal Credit UnionCredit union Gowanda, NY | 99 out of 100, Very strong | $33.5M | 16.1% | 0.00% | vs |
| Rome Federal Credit UnionCredit union Rome, NY | 58 out of 100, Moderate | $33.5M | 10.7% | 1.91% | vs |
| Medisys Employees Federal Credit UnionCredit union Jamaica, NY | 69 out of 100, Moderate | $33.3M | 9.5% | 0.70% | vs |
| O and R Utilities Employees Federal Credit UnionCredit union Monroe, NY | 64 out of 100, Moderate | $34.7M | 11.9% | 0.94% | vs |
| Ed-Med Federal Credit UnionCredit union Ogdensburg, NY | 76 out of 100, Strong | $34.7M | 12.5% | 1.08% | vs |
| Chen-Del-O Federal Credit UnionCredit union Franklin, NY | 85 out of 100, Very strong | $34.9M | 12.9% | 0.48% | vs |
Deposit insurance
Is my money safe at Academic Federal Credit Union?
Yes. Academic Federal Credit Union is a federally insured credit union (NCUA charter #23425). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 11.44%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Academic Federal Credit Union lists 1 office in 1 city. Most locations:
- Briarcliff Manor, NY (1)
Identity & history
Profile
- Legal name
- Academic Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 23425
- RSSD ID
- 813385
- Primary regulator
- NCUA
- Established
- 1979
- Headquarters
- 425 N State Rd, Briarcliff Mano, NY 10510
- Employees
- 4
Quick answers
Academic Federal Credit Union: common questions
Is Academic Federal Credit Union NCUA insured?
Yes. Academic Federal Credit Union is a federally insured credit union (NCUA charter #23425). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Academic Federal Credit Union's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Academic Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Briarcliff Mano
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY | 93 out of 100, Very strong | $1.0M | 34.2% | 0.00% | vs |
| Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY | 93 out of 100, Very strong | $1.5M | 23.8% | 0.18% | vs |
| Gha Federal Credit UnionCredit union Greenwich, CT | 91 out of 100, Very strong | $29.7M | 17.5% | 0.56% | vs |
| Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT | 91 out of 100, Very strong | $365.2M | 17.1% | 0.26% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT | 89 out of 100, Very strong | $32.6M | 14.5% | 0.87% | vs |