TellerScore

Buffalo Conrail Federal Credit Union is a federal credit union headquartered in Cheektowaga, New York, in business for about 91 years. At the end of Q2 2026 it reported $61.0M in total assets and $47.1M in member shares and deposits, with 1 office.

Buffalo Conrail Federal Credit Union has a TellerScore of 91 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 21st. Capital cushion contributes the most (100/100, 22.26%); funding & liquidity contributes the least (67/100, 93% loans-to-deposits, 4% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.26%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.17%
Earnings88/100
Return on assets (annualized): 1.69%
Funding & liquidity67/100
Loans ÷ shares: 93.2% · 3.9% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.55%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (90 → 91).

TellerScore
828792Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202491
Q4 202488
Q1 202585
Q2 202590
Q3 202588
Q4 202588
Q1 202682
Q2 202691
Net worth ratio
7.00%15.24%23.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202421.87%
Q3 202422.58%
Q4 202422.99%
Q1 202522.74%
Q2 202523.14%
Q3 202523.48%
Q4 202522.75%
Q1 202622.31%
Q2 202622.26%
Delinquent loans (60+ days)
0.00%0.16%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.06%
Q4 20240.26%
Q1 20250.12%
Q2 20250.21%
Q3 20250.31%
Q4 20250.22%
Q1 20260.23%
Q2 20260.17%
Return on assets
0.67%1.24%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.71%
Q3 20241.76%
Q4 20241.69%
Q1 20251.12%
Q2 20251.80%
Q3 20251.75%
Q4 20251.56%
Q1 20260.67%
Q2 20261.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$61.0M22.26%0.17%1.69%93.2%
Q1 202682$59.0M22.31%0.23%0.67%96.4%
Q4 202588$57.4M22.75%0.22%1.56%101.7%
Q3 202588$55.1M23.48%0.31%1.75%107.2%
Q2 202590$54.9M23.14%0.21%1.80%106.9%
Q1 202585$54.3M22.74%0.12%1.12%104.2%
Q4 202488$53.1M22.99%0.26%1.69%105.6%
Q3 202491$53.4M22.58%0.06%1.76%103.4%
Q2 202492$54.0M21.87%0.00%1.71%100.0%

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 ratio22.26%
83rd
Problem loans0.17%
75th
Net charge-offs0.18%
50th
Return on assets1.69%
89th
Loans to deposits93.2%
7th
Uninsured deposits3.9%
29th
Loan-loss reserves0.00%
37th
Texas ratio0.5%
74th

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Deposit insurance

Is my money safe at Buffalo Conrail Federal Credit Union?

Yes. Buffalo Conrail Federal Credit Union is a federally insured credit union (NCUA charter #845). 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 3.9% of shares and deposits ($1.8M) 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 22.26%, well 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Buffalo Conrail Federal Credit Union
Type
Federal credit union
NCUA charter #
845
RSSD ID
753771
Primary regulator
NCUA
Established
1935
Headquarters
1481 Harlem Rd, Cheektowaga, NY 14206
Employees
8

Quick answers

Buffalo Conrail Federal Credit Union: common questions

Is Buffalo Conrail Federal Credit Union NCUA insured?

Yes. Buffalo Conrail Federal Credit Union is a federally insured credit union (NCUA charter #845). 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 Buffalo Conrail Federal Credit Union's TellerScore?

91 out of 100 (Very 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 Buffalo Conrail Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cheektowaga

InstitutionScoreAssetsCapitalProblem loansCompare
Moog Employees Federal Credit UnionCredit union East Aurora, NY100 out of 100, Very strong$257.3M26.6%0.00%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$38.1M17.2%0.00%vs
Crossroads Community Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$96.9M15.3%0.18%vs
Titan Federal Credit UnionCredit union Pleasant Gap, PA94 out of 100, Very strong$69.5M15.4%0.31%vs