TellerScore

Headquartered in Canandaigua, New York, Canandaigua Federal Credit Union is a federal credit union with $29.5M in total assets and $24.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1964.

Canandaigua Federal Credit Union has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 247th. Funding & liquidity contributes the most (100/100, 40% loans-to-deposits, 0% uninsured); loan quality contributes the least (0/100, 3.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.10%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.44%
Earnings39/100
Return on assets (annualized): 0.47%
Funding & liquidity100/100
Loans ÷ shares: 39.6% · 0.0% uninsured
Problem-loan coverage79/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.32%

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 2 points (51 → 49), mostly because the loan quality component weakened by 24 points.

TellerScore
495560Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202455
Q4 202452
Q1 202560
Q2 202551
Q3 202550
Q4 202551
Q1 202654
Q2 202649
Net worth ratio
7.00%9.24%11.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.64%
Q3 202410.94%
Q4 202410.86%
Q1 202511.41%
Q2 202510.94%
Q3 202511.42%
Q4 202511.44%
Q1 202611.48%
Q2 202611.10%
Delinquent loans (60+ days)
1.68%2.56%3.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.33%
Q3 20242.23%
Q4 20242.41%
Q1 20251.68%
Q2 20252.29%
Q3 20252.88%
Q4 20252.69%
Q1 20262.81%
Q2 20263.44%
Return on assets
0.02%0.35%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.22%
Q3 20240.37%
Q4 20240.27%
Q1 20250.29%
Q2 20250.02%
Q3 20250.37%
Q4 20250.27%
Q1 20260.69%
Q2 20260.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202649$29.5M11.10%3.44%0.47%39.6%
Q1 202654$28.3M11.48%2.81%0.69%40.7%
Q4 202551$28.0M11.44%2.69%0.27%46.2%
Q3 202550$28.2M11.42%2.88%0.37%44.8%
Q2 202551$28.8M10.94%2.29%0.02%43.9%
Q1 202560$27.8M11.41%1.68%0.29%46.9%
Q4 202452$28.9M10.86%2.41%0.27%46.5%
Q3 202455$29.0M10.94%2.23%0.37%47.8%
Q2 202451$29.3M10.64%2.33%0.22%46.8%

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 ratio11.10%
25th
Problem loans3.44%
11th
Net charge-offs0.29%
40th
Return on assets0.47%
40th
Loans to deposits39.6%
79th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio10.3%
13th

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Deposit insurance

Is my money safe at Canandaigua Federal Credit Union?

Yes. Canandaigua Federal Credit Union is a federally insured credit union (NCUA charter #16176). 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 11.10%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Canandaigua Federal Credit Union
Type
Federal credit union
NCUA charter #
16176
RSSD ID
761187
Primary regulator
NCUA
Established
1964
Headquarters
3210 Eastern Blvd, Canandaigua, NY 14424
Employees
5

Quick answers

Canandaigua Federal Credit Union: common questions

Is Canandaigua Federal Credit Union NCUA insured?

Yes. Canandaigua Federal Credit Union is a federally insured credit union (NCUA charter #16176). 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 Canandaigua Federal Credit Union's TellerScore?

49 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 Canandaigua Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Canandaigua

InstitutionScoreAssetsCapitalProblem loansCompare
Finger Lakes Federal Credit UnionCredit union Geneva, NY96 out of 100, Very strong$259.5M15.1%0.10%vs
ESL Federal Credit UnionCredit union Rochester, NY90 out of 100, Very strong$10.8B16.4%0.90%vs
Le Roy Federal Credit UnionCredit union Le Roy, NY86 out of 100, Very strong$21.1M11.4%0.37%vs
Genesee Co-Op Federal Credit UnionCredit union Rochester, NY78 out of 100, Strong$47.5M23.4%1.55%vs
Pittsford Federal Credit UnionCredit union Pittsford, NY74 out of 100, Strong$542.3M11.9%0.55%vs
Genesee Regional BankBank Rochester, NY72 out of 100, Strong$1.3B11.0%0.59%vs