TellerScore

Headquartered in Auburn, New York, Auburn Community Federal Credit Union is a federal credit union with $126.5M in total assets and $108.7M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1936.

Auburn Community Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 83% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 59th. Funding & liquidity contributes the most (100/100, 37% loans-to-deposits, 3% uninsured); earnings contributes the least (59/100, 0.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Net worth ratio: 12.28%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.08%
Earnings59/100
Return on assets (annualized): 0.99%
Funding & liquidity100/100
Loans ÷ shares: 36.8% · 3.3% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.20%

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 2 points (81 → 83), mostly because the earnings component improved by 8 points.

TellerScore
788183Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202480
Q4 202479
Q1 202578
Q2 202581
Q3 202583
Q4 202582
Q1 202683
Q2 202683
Net worth ratio
7.00%9.81%12.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.99%
Q3 202411.68%
Q4 202411.84%
Q1 202511.76%
Q2 202512.00%
Q3 202512.47%
Q4 202512.62%
Q1 202612.32%
Q2 202612.28%
Delinquent loans (60+ days)
0.03%0.17%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.09%
Q3 20240.21%
Q4 20240.31%
Q1 20250.09%
Q2 20250.07%
Q3 20250.03%
Q4 20250.24%
Q1 20260.11%
Q2 20260.08%
Return on assets
0.50%0.74%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.86%
Q3 20240.98%
Q4 20240.89%
Q1 20250.50%
Q2 20250.77%
Q3 20250.90%
Q4 20250.93%
Q1 20260.98%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$126.5M12.28%0.08%0.99%36.8%
Q1 202683$123.5M12.32%0.11%0.98%35.7%
Q4 202582$118.1M12.62%0.24%0.93%35.1%
Q3 202583$117.2M12.47%0.03%0.90%35.7%
Q2 202581$118.9M12.00%0.07%0.77%34.1%
Q1 202578$118.8M11.76%0.09%0.50%33.3%
Q4 202479$116.7M11.84%0.31%0.89%33.7%
Q3 202480$116.8M11.68%0.21%0.98%32.8%
Q2 202478$120.9M10.99%0.09%0.86%30.3%

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 ratio12.28%
61st
Problem loans0.08%
96th
Net charge-offs0.04%
94th
Return on assets0.99%
65th
Loans to deposits36.8%
97th
Uninsured deposits3.3%
79th
Loan-loss reserves0.00%
50th
Texas ratio0.2%
98th

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InstitutionScoreAssetsCapitalProblem loansCompare
Ufirst Federal Credit UnionCredit union Plattsburgh, NY75 out of 100, Strong$128.6M15.4%0.92%vs
Community Resource Federal Credit UnionCredit union Latham, NY65 out of 100, Moderate$120.3M12.1%0.83%vs
Salt City Federal Credit UnionCredit union Solvay, NY62 out of 100, Moderate$119.1M9.0%0.78%vs
Utica Gas & Electric Emp Federal Credit UnionCredit union New Hartford, NY73 out of 100, Strong$135.9M16.7%1.72%vs
One Credit Union of NYCredit union Cheektowaga, NY89 out of 100, Very strong$114.4M13.2%0.12%vs
Trunorthern Federal Credit UnionCredit union Malone, NY76 out of 100, Strong$111.7M11.7%0.25%vs

Deposit insurance

Is my money safe at Auburn Community Federal Credit Union?

Yes. Auburn Community Federal Credit Union is a federally insured credit union (NCUA charter #988). 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 3.3% of shares and deposits ($3.6M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.28%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Auburn Community Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Auburn Community Federal Credit Union reported 98 home-loan applications under HMDA (LEI 25490059CRJPDQXWL974): 74 originated ($4,520,000 total), 15 denied, and 9 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.9%, 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
Auburn Community Federal Credit Union
Type
Federal credit union
NCUA charter #
988
RSSD ID
702274
Primary regulator
NCUA
Established
1936
Headquarters
Po Box 867, Auburn, NY 13021
Employees
28

Quick answers

Auburn Community Federal Credit Union: common questions

Is Auburn Community Federal Credit Union NCUA insured?

Yes. Auburn Community Federal Credit Union is a federally insured credit union (NCUA charter #988). 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 Auburn Community Federal Credit Union's TellerScore?

83 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 Auburn Community Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Auburn

InstitutionScoreAssetsCapitalProblem loansCompare
Nucor Employee'S Credit UnionCredit union Florence, SC91 out of 100, Very strong$68.2M19.7%0.61%vs
Syracuse Fire Department Employees Federal Credit UnionCredit union Syracuse, NY89 out of 100, Very strong$147.4M15.2%0.95%vs
Fulton Savings BankBank Fulton, NY88 out of 100, Very strong$492.3M31.4%0.70%vs
The First National Bank of DrydenBank Dryden, NY80 out of 100, Strong$203.9M13.5%0.93%vs
The First National Bank of GrotonBank Groton, NY78 out of 100, Strong$203.9M14.6%1.62%vs
Beginnings Credit UnionCredit union Ithaca, NY77 out of 100, Strong$1.5B14.0%0.69%vs