TellerScore

Buffalo Metropolitan Federal Credit Union is a federal credit union headquartered in Buffalo, New York, in business for about 89 years. At the end of Q2 2026 it reported $143.9M in total assets and $128.5M in member shares and deposits, with 1 office.

Buffalo Metropolitan Federal Credit Union has a TellerScore of 44 out of 100 (below average) based on Q2 2026 data — higher than only 2% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 257th. Capital cushion contributes the most (74/100, 12.39%); loan quality contributes the least (0/100, 3.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.39%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.69%
Earnings30/100
Return on assets (annualized): 0.24%
Funding & liquidity68/100
Loans ÷ shares: 91.8% · 1.5% uninsured
Problem-loan coverage51/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 24.42%

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 (43 → 44).

TellerScore
435363Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202456
Q4 202454
Q1 202553
Q2 202543
Q3 202547
Q4 202546
Q1 202650
Q2 202644
Net worth ratio
7.00%9.70%12.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.47%
Q3 202411.88%
Q4 202412.10%
Q1 202511.73%
Q2 202512.01%
Q3 202512.14%
Q4 202512.26%
Q1 202612.23%
Q2 202612.39%
Delinquent loans (60+ days)
1.32%2.50%3.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.32%
Q3 20242.29%
Q4 20242.31%
Q1 20252.04%
Q2 20253.09%
Q3 20252.71%
Q4 20253.06%
Q1 20262.44%
Q2 20263.69%
Return on assets
0.24%0.61%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.88%
Q3 20240.97%
Q4 20240.81%
Q1 20250.29%
Q2 20250.31%
Q3 20250.35%
Q4 20250.57%
Q1 20260.31%
Q2 20260.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202644$143.9M12.39%3.69%0.24%91.8%
Q1 202650$145.2M12.23%2.44%0.31%91.0%
Q4 202546$144.0M12.26%3.06%0.57%92.9%
Q3 202547$141.7M12.14%2.71%0.35%94.0%
Q2 202543$141.9M12.01%3.09%0.31%92.1%
Q1 202553$144.4M11.73%2.04%0.29%87.8%
Q4 202454$139.1M12.10%2.31%0.81%93.1%
Q3 202456$140.8M11.88%2.29%0.97%92.0%
Q2 202463$142.3M11.47%1.32%0.88%90.9%

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 ratio12.39%
62nd
Problem loans3.69%
1st
Net charge-offs0.48%
37th
Return on assets0.24%
13th
Loans to deposits91.8%
13th
Uninsured deposits1.5%
93rd
Loan-loss reserves0.00%
50th
Texas ratio24.4%
1st

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Meridia Community Federal Credit UnionCredit union Hamburg, NY94 out of 100, Very strong$144.1M16.4%0.27%vs
Syracuse Fire Department Employees Federal Credit UnionCredit union Syracuse, NY89 out of 100, Very strong$147.4M15.2%0.95%vs
Town of Hempstead Employees Federal Credit UnionCredit union North Baldwin, NY56 out of 100, Moderate$149.4M8.0%1.39%vs
Great Erie Federal Credit UnionCredit union Orchard Park, NY80 out of 100, Strong$149.6M12.4%0.47%vs
Utica Gas & Electric Emp Federal Credit UnionCredit union New Hartford, NY73 out of 100, Strong$135.9M16.7%1.72%vs
Oswego County Federal Credit UnionCredit union Oswego, NY63 out of 100, Moderate$152.5M12.1%2.06%vs

Deposit insurance

Is my money safe at Buffalo Metropolitan Federal Credit Union?

Yes. Buffalo Metropolitan Federal Credit Union is a federally insured credit union (NCUA charter #2209). 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 1.5% of shares and deposits ($2.0M) 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 12.39%, 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 Metropolitan Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Buffalo Metropolitan Federal Credit Union
Type
Federal credit union
NCUA charter #
2209
RSSD ID
296670
Primary regulator
NCUA
Established
1937
Headquarters
62 S Elmwood Ave, Buffalo, NY 14202
Employees
49

Quick answers

Buffalo Metropolitan Federal Credit Union: common questions

Is Buffalo Metropolitan Federal Credit Union NCUA insured?

Yes. Buffalo Metropolitan Federal Credit Union is a federally insured credit union (NCUA charter #2209). 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 Metropolitan Federal Credit Union's TellerScore?

44 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 Buffalo Metropolitan Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Buffalo

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
Meridia Community Federal Credit UnionCredit union Hamburg, NY94 out of 100, Very strong$144.1M16.4%0.27%vs