TellerScore

Access Federal Credit Union is a federal credit union headquartered in Clinton, New York, in business for about 79 years. At the end of Q2 2026 it reported $320.1M in total assets and $287.6M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Access Federal Credit Union scores 70/100, which we describe as strong. That is higher than 51% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 136th. Its strongest component is funding & liquidity (100/100; 54% loans-to-deposits, 7% uninsured), and its lowest is capital cushion (44/100; 9.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.40%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.89%
Earnings74/100
Return on assets (annualized): 1.35%
Funding & liquidity100/100
Loans ÷ shares: 53.5% · 7.0% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.56%

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 fell 2 points (72 → 70), mostly because the loan quality component weakened by 17 points.

TellerScore
687173Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202471
Q4 202468
Q1 202570
Q2 202572
Q3 202572
Q4 202571
Q1 202671
Q2 202670
Net worth ratio
7.00%8.30%9.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.41%
Q3 20249.60%
Q4 20249.35%
Q1 20259.06%
Q2 20259.13%
Q3 20259.29%
Q4 20259.10%
Q1 20269.15%
Q2 20269.40%
Delinquent loans (60+ days)
0.29%0.59%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.37%
Q3 20240.70%
Q4 20240.59%
Q1 20250.52%
Q2 20250.39%
Q3 20250.44%
Q4 20250.29%
Q1 20260.65%
Q2 20260.89%
Return on assets
0.82%1.09%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.20%
Q3 20241.22%
Q4 20240.82%
Q1 20251.01%
Q2 20251.13%
Q3 20251.23%
Q4 20250.90%
Q1 20261.36%
Q2 20261.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$320.1M9.40%0.89%1.35%53.5%
Q1 202671$317.0M9.15%0.65%1.36%53.3%
Q4 202571$307.0M9.10%0.29%0.90%55.0%
Q3 202572$301.2M9.29%0.44%1.23%56.3%
Q2 202572$294.4M9.13%0.39%1.13%57.1%
Q1 202570$286.3M9.06%0.52%1.01%56.9%
Q4 202468$269.8M9.35%0.59%0.82%61.1%
Q3 202471$265.4M9.60%0.70%1.22%62.6%
Q2 202473$261.6M9.41%0.37%1.20%62.8%

1,341 peers · $100 million – $1 billion

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).

Capital ratio9.40%
18th
Problem loans0.89%
36th
Net charge-offs0.04%
94th
Return on assets1.35%
84th
Loans to deposits53.5%
87th
Uninsured deposits7.0%
39th
Loan-loss reserves0.00%
50th
Texas ratio4.6%
45th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Dannemora Federal Credit UnionCredit union Plattsburgh, NY85 out of 100, Very strong$320.3M14.6%0.51%vs
People'S Alliance Federal Credit UnionCredit union Hauppauge, NY67 out of 100, Moderate$322.2M11.1%0.58%vs
Secny Federal Credit UnionCredit union Syracuse, NY56 out of 100, Moderate$322.7M7.6%0.93%vs
Actors Federal Credit UnionCredit union New York, NY40 out of 100, Below average$331.3M9.5%2.64%vs
Nassau Financial Federal Credit UnionCredit union East Meadow, NY50 out of 100, Below average$334.4M6.2%0.41%vs
Tct Federal Credit UnionCredit union Ballston Spa, NY61 out of 100, Moderate$295.6M9.4%0.65%vs

Deposit insurance

Is my money safe at Access Federal Credit Union?

Yes. Access Federal Credit Union is a federally insured credit union (NCUA charter #5579). 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 7.0% of shares and deposits ($20.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.40%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Access Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Access Federal Credit Union reported 74 home-loan applications under HMDA (LEI 549300V4QN9VP69K5I11): 58 originated ($6,030,000 total), 6 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Access Federal Credit Union
Type
Federal credit union
NCUA charter #
5579
RSSD ID
751973
Primary regulator
NCUA
Established
1947
Headquarters
6 Franklin Ave, Po Box 308, Clinton, NY 13323
Employees
49

Quick answers

Access Federal Credit Union: common questions

Is Access Federal Credit Union NCUA insured?

Yes. Access Federal Credit Union is a federally insured credit union (NCUA charter #5579). 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 Access Federal Credit Union's TellerScore?

70 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 Access Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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Utica Gas & Electric Emp Federal Credit UnionCredit union New Hartford, NY73 out of 100, Strong$135.9M16.7%1.72%vs