TellerScore

Buffalo Police Federal Credit Union is a federal credit union headquartered in Buffalo, New York, in business for about 90 years. At the end of Q2 2026 it reported $17.5M in total assets and $13.4M in member shares and deposits.

Based on its Q2 2026 filing, Buffalo Police Federal Credit Union scores 95/100, which we describe as very strong. That is higher than 96% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 10th. Its strongest component is capital cushion (100/100; 22.93%), and its lowest is funding & liquidity (87/100; 73% loans-to-deposits, 0% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.93%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.35%
Earnings100/100
Return on assets (annualized): 2.63%
Funding & liquidity87/100
Loans ÷ shares: 73.2% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.85%

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 (96 → 95).

TellerScore
949697Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202497
Q3 202496
Q4 202494
Q1 202597
Q2 202596
Q3 202594
Q4 202596
Q1 202696
Q2 202695
Net worth ratio
7.00%14.96%22.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.70%
Q3 202418.36%
Q4 202420.36%
Q1 202520.64%
Q2 202521.47%
Q3 202521.09%
Q4 202522.00%
Q1 202622.18%
Q2 202622.93%
Delinquent loans (60+ days)
0.04%0.22%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.15%
Q3 20240.21%
Q4 20240.40%
Q1 20250.04%
Q2 20250.08%
Q3 20250.36%
Q4 20250.11%
Q1 20260.28%
Q2 20260.35%
Return on assets
2.46%2.87%3.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.76%
Q3 20243.12%
Q4 20243.29%
Q1 20253.16%
Q2 20253.13%
Q3 20253.04%
Q4 20253.03%
Q1 20262.46%
Q2 20262.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$17.5M22.93%0.35%2.63%73.2%
Q1 202696$17.5M22.18%0.28%2.46%73.7%
Q4 202596$17.2M22.00%0.11%3.03%77.1%
Q3 202594$17.4M21.09%0.36%3.04%78.9%
Q2 202596$16.4M21.47%0.08%3.13%82.2%
Q1 202597$16.4M20.64%0.04%3.16%78.9%
Q4 202494$16.0M20.36%0.40%3.29%79.0%
Q3 202496$17.1M18.36%0.21%3.12%74.8%
Q2 202497$16.8M17.70%0.15%2.76%73.1%

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 ratio22.93%
85th
Problem loans0.35%
66th
Net charge-offs0.06%
62nd
Return on assets2.63%
98th
Loans to deposits73.2%
28th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.8%
68th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Cadets Federal Credit UnionCredit union Elma, NY56 out of 100, Moderate$17.7M8.6%0.65%vs
Fasny Federal Credit UnionCredit union Albany, NY67 out of 100, Moderate$17.9M11.6%0.49%vs
Att-Wyo Correctional Employees Federal Credit UnionCredit union Attica, NY94 out of 100, Very strong$16.7M19.3%0.62%vs
Long Island Alliance Federal Credit UnionCredit union Hauppauge, NY87 out of 100, Very strong$16.5M14.1%0.32%vs
Syracuse Postal Federal Credit UnionCredit union Syracuse, NY58 out of 100, Moderate$18.6M7.6%0.00%vs
Transit Federal Credit UnionCredit union Valley Stream, NY74 out of 100, Strong$19.0M10.0%0.22%vs

Deposit insurance

Is my money safe at Buffalo Police Federal Credit Union?

Yes. Buffalo Police Federal Credit Union is a federally insured credit union (NCUA charter #1157). 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 0.0% of shares and deposits ($0) 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 22.93%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Buffalo Police Federal Credit Union
Type
Federal credit union
NCUA charter #
1157
RSSD ID
716673
Primary regulator
NCUA
Established
1936
Headquarters
68 Court St Rm 180, Buffalo, NY 14202
Employees
4

Quick answers

Buffalo Police Federal Credit Union: common questions

Is Buffalo Police Federal Credit Union NCUA insured?

Yes. Buffalo Police Federal Credit Union is a federally insured credit union (NCUA charter #1157). 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 Police Federal Credit Union's TellerScore?

95 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.