TellerScore

Chen-Del-O Federal Credit Union is a federal credit union headquartered in Franklin, New York, in business for about 72 years. At the end of Q2 2026 it reported $34.9M in total assets and $30.4M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Chen-Del-O Federal Credit Union scores 85/100, which we describe as very strong. That is higher than 77% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 49th. Its strongest component is funding & liquidity (100/100; 29% loans-to-deposits, 3% uninsured), and its lowest is earnings (78/100; 1.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Net worth ratio: 12.93%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings78/100
Return on assets (annualized): 1.44%
Funding & liquidity100/100
Loans ÷ shares: 28.9% · 2.6% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.11%

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 (85 → 85).

TellerScore
768389Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202483
Q4 202479
Q1 202587
Q2 202585
Q3 202589
Q4 202579
Q1 202676
Q2 202685
Net worth ratio
7.00%9.96%12.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.61%
Q3 202411.23%
Q4 202411.38%
Q1 202511.63%
Q2 202511.81%
Q3 202512.63%
Q4 202512.51%
Q1 202612.71%
Q2 202612.93%
Delinquent loans (60+ days)
0.08%0.86%1.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.25%
Q3 20240.08%
Q4 20240.61%
Q1 20250.30%
Q2 20250.62%
Q3 20250.49%
Q4 20251.36%
Q1 20261.64%
Q2 20260.48%
Return on assets
1.18%1.73%2.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.18%
Q3 20241.45%
Q4 20241.38%
Q1 20252.28%
Q2 20252.06%
Q3 20252.13%
Q4 20251.82%
Q1 20261.67%
Q2 20261.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$34.9M12.93%0.48%1.44%28.9%
Q1 202676$34.7M12.71%1.64%1.67%29.2%
Q4 202579$34.0M12.51%1.36%1.82%29.4%
Q3 202589$33.1M12.63%0.49%2.13%30.0%
Q2 202585$33.9M11.81%0.62%2.06%27.3%
Q1 202587$33.0M11.63%0.30%2.28%27.7%
Q4 202479$32.1M11.38%0.61%1.38%28.2%
Q3 202483$31.7M11.23%0.08%1.45%30.2%
Q2 202478$32.1M10.61%0.25%1.18%30.0%

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 ratio12.93%
39th
Problem loans0.48%
59th
Net charge-offs1.19%
12th
Return on assets1.44%
83rd
Loans to deposits28.9%
90th
Uninsured deposits2.6%
39th
Loan-loss reserves0.00%
37th
Texas ratio1.1%
64th

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Deposit insurance

Is my money safe at Chen-Del-O Federal Credit Union?

Yes. Chen-Del-O Federal Credit Union is a federally insured credit union (NCUA charter #9517). 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 2.6% of shares and deposits ($794K) 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 12.93%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Chen-Del-O Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Chen-Del-O Federal Credit Union
Type
Federal credit union
NCUA charter #
9517
RSSD ID
1002887
Primary regulator
NCUA
Established
1954
Headquarters
Po Box 102, Franklin, NY 13775
Employees
6

Quick answers

Chen-Del-O Federal Credit Union: common questions

Is Chen-Del-O Federal Credit Union NCUA insured?

Yes. Chen-Del-O Federal Credit Union is a federally insured credit union (NCUA charter #9517). 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 Chen-Del-O Federal Credit Union's TellerScore?

85 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 Chen-Del-O Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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