TellerScore

Amherst Federal Credit Union (NCUA charter #5439) is based in Amherst, New York. Its Q2 2026 call report shows $44.0M in total assets and $39.4M in member shares and deposits and 1 office.

Amherst Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 38% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 148th. Funding & liquidity contributes the most (100/100, 55% loans-to-deposits, 4% uninsured); capital cushion contributes the least (53/100, 10.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.25%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.17%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity100/100
Loans ÷ shares: 55.0% · 4.2% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.63%

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 4 points (73 → 69), mostly because the loan quality component weakened by 31 points.

TellerScore
687378Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202471
Q4 202468
Q1 202573
Q2 202573
Q3 202572
Q4 202578
Q1 202678
Q2 202669
Net worth ratio
7.00%8.63%10.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.09%
Q3 20249.36%
Q4 20249.36%
Q1 20259.61%
Q2 20259.64%
Q3 202510.20%
Q4 202510.25%
Q1 202610.26%
Q2 202610.25%
Delinquent loans (60+ days)
0.04%0.60%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.10%
Q3 20240.29%
Q4 20240.55%
Q1 20250.15%
Q2 20250.25%
Q3 20250.59%
Q4 20250.04%
Q1 20260.14%
Q2 20261.17%
Return on assets
0.73%1.00%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 20240.77%
Q4 20240.78%
Q1 20250.81%
Q2 20250.93%
Q3 20251.06%
Q4 20251.02%
Q1 20261.23%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$44.0M10.25%1.17%1.27%55.0%
Q1 202678$42.5M10.26%0.14%1.23%56.9%
Q4 202578$41.3M10.25%0.04%1.02%55.8%
Q3 202572$40.6M10.20%0.59%1.06%55.9%
Q2 202573$41.6M9.64%0.25%0.93%56.3%
Q1 202573$40.6M9.61%0.15%0.81%57.2%
Q4 202468$40.8M9.36%0.55%0.78%57.2%
Q3 202471$40.0M9.36%0.29%0.77%59.6%
Q2 202471$40.3M9.09%0.10%0.73%60.1%

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 ratio10.25%
18th
Problem loans1.17%
35th
Net charge-offs-0.01%
87th
Return on assets1.27%
78th
Loans to deposits55.0%
55th
Uninsured deposits4.2%
26th
Loan-loss reserves0.00%
37th
Texas ratio5.6%
26th

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Deposit insurance

Is my money safe at Amherst Federal Credit Union?

Yes. Amherst Federal Credit Union is a federally insured credit union (NCUA charter #5439). 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 4.2% of shares and deposits ($1.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.25%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Amherst Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Amherst Federal Credit Union
Type
Federal credit union
NCUA charter #
5439
RSSD ID
602776
Primary regulator
NCUA
Established
1947
Headquarters
6470 Main Street, Suite 5, Amherst, NY 14221
Employees
8

Quick answers

Amherst Federal Credit Union: common questions

Is Amherst Federal Credit Union NCUA insured?

Yes. Amherst Federal Credit Union is a federally insured credit union (NCUA charter #5439). 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 Amherst Federal Credit Union's TellerScore?

69 out of 100 (Moderate), 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 Amherst Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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