TellerScore

Headquartered in Tupper Lake, New York, Adirondack Regional Federal Credit Union is a federal credit union with $88.3M in total assets and $79.8M in member shares and deposits as of Q2 2026. It operates 4 offices across 2 states. Its charter dates back to 1947.

Based on its Q2 2026 filing, Adirondack Regional Federal Credit Union scores 48/100, which we describe as below average. That is higher than only 7% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 250th. Its strongest component is funding & liquidity (100/100; 58% loans-to-deposits, 1% uninsured), and its lowest is problem-loan coverage (0/100; 67.6%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.52%
Loan quality29/100
Loans 60+ days delinquent ÷ total loans: 2.14%
Earnings62/100
Return on assets (annualized): 1.04%
Funding & liquidity100/100
Loans ÷ shares: 58.0% · 0.8% uninsured
Problem-loan coverage0/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 67.56%

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 7 points (55 → 48), mostly because the loan quality component weakened by 30 points.

TellerScore
274460Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202427
Q4 202442
Q1 202557
Q2 202555
Q3 202560
Q4 202555
Q1 202659
Q2 202648
Net worth ratio
7.00%8.26%9.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.82%
Q3 20247.68%
Q4 20248.59%
Q1 20258.84%
Q2 20258.97%
Q3 20259.20%
Q4 20259.10%
Q1 20269.42%
Q2 20269.52%
Delinquent loans (60+ days)
0.56%5.13%9.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.05%
Q3 20249.71%
Q4 20241.94%
Q1 20250.80%
Q2 20251.23%
Q3 20250.56%
Q4 20251.14%
Q1 20260.82%
Q2 20262.14%
Return on assets
0.29%0.77%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.64%
Q3 20240.29%
Q4 20240.66%
Q1 20251.11%
Q2 20251.24%
Q3 20251.10%
Q4 20251.04%
Q1 20261.11%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202648$88.3M9.52%2.14%1.04%58.0%
Q1 202659$86.9M9.42%0.82%1.11%59.7%
Q4 202555$87.3M9.10%1.14%1.04%61.2%
Q3 202560$85.0M9.20%0.56%1.10%63.7%
Q2 202555$85.3M8.97%1.23%1.24%64.0%
Q1 202557$83.2M8.84%0.80%1.11%67.3%
Q4 202442$82.9M8.59%1.94%0.66%71.1%
Q3 202427$89.4M7.68%9.71%0.29%79.0%
Q2 202454$88.9M7.82%1.05%0.64%82.0%

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).

Capital ratio9.52%
13th
Problem loans2.14%
19th
Net charge-offs0.90%
16th
Return on assets1.04%
69th
Loans to deposits58.0%
51st
Uninsured deposits0.8%
55th
Loan-loss reserves0.00%
37th
Texas ratio67.6%
0th

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InstitutionScoreAssetsCapitalProblem loansCompare
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Jamestown Area Community Federal Credit UnionCredit union Jamestown, NY84 out of 100, Strong$85.5M11.0%0.02%vs
Good Neighbors Federal Credit UnionCredit union Depew, NY30 out of 100, Low$91.7M7.6%2.85%vs
Lower East Side People'S Federal Credit UnionCredit union New York, NY50 out of 100, Below average$84.8M21.4%4.45%vs
Great Meadow Federal Credit UnionCredit union Hudson Falls, NY70 out of 100, Strong$84.1M10.4%0.58%vs

Deposit insurance

Is my money safe at Adirondack Regional Federal Credit Union?

Yes. Adirondack Regional Federal Credit Union is a federally insured credit union (NCUA charter #5546). 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 0.8% of shares and deposits ($671K) 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 9.52%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Adirondack Regional Federal Credit Union lists 4 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Adirondack Regional Federal Credit Union
Type
Federal credit union
NCUA charter #
5546
RSSD ID
935371
Primary regulator
NCUA
Established
1947
Headquarters
280 Park St, Tupper Lake, NY 12986
Employees
18

Quick answers

Adirondack Regional Federal Credit Union: common questions

Is Adirondack Regional Federal Credit Union NCUA insured?

Yes. Adirondack Regional Federal Credit Union is a federally insured credit union (NCUA charter #5546). 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 Adirondack Regional Federal Credit Union's TellerScore?

48 out of 100 (Below average), 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 Adirondack Regional Federal Credit Union have?

4 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Tupper Lake

InstitutionScoreAssetsCapitalProblem loansCompare
Tri-Lakes Federal Credit UnionCredit union Saranac Lake, NY91 out of 100, Very strong$28.7M13.5%0.03%vs
The North Country Savings BankBank Canton, NY78 out of 100, Strong$373.5M14.5%0.82%vs
Champlain National BankBank Elizabethtown, NY71 out of 100, Strong$497.1M10.9%0.25%vs
Arrow Bank National AssociationBank Glens Falls, NY66 out of 100, Moderate$4.5B9.3%0.24%vs
NBT Bank, National AssociationBank Norwich, NY64 out of 100, Moderate$16.1B9.5%0.55%vs
Community Bank, National AssociationBank Canton, NY62 out of 100, Moderate$17.4B7.9%0.50%vs