TellerScore

Consumers Federal Credit Union is a federal credit union headquartered in Brooklyn, New York, in business for about 61 years. At the end of Q2 2026 it reported $105.8M in total assets and $90.9M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Consumers Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 166th. Its strongest component is problem-loan coverage (99/100; 0.6%), and its lowest is earnings (30/100; 0.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.59%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.07%
Earnings30/100
Return on assets (annualized): 0.24%
Funding & liquidity36/100
Loans ÷ shares: 102.5% · 35.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.56%

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 (66 → 66).

TellerScore
646667Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202465
Q4 202465
Q1 202565
Q2 202566
Q3 202566
Q4 202565
Q1 202664
Q2 202666
Net worth ratio
7.00%9.54%12.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.08%
Q3 202411.48%
Q4 202411.70%
Q1 202511.42%
Q2 202511.17%
Q3 202511.50%
Q4 202511.19%
Q1 202611.32%
Q2 202611.59%
Delinquent loans (60+ days)
0.07%0.19%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.29%
Q3 20240.23%
Q4 20240.31%
Q1 20250.22%
Q2 20250.19%
Q3 20250.20%
Q4 20250.12%
Q1 20260.08%
Q2 20260.07%
Return on assets
0.21%0.38%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.34%
Q4 20240.37%
Q1 20250.50%
Q2 20250.53%
Q3 20250.56%
Q4 20250.42%
Q1 20260.21%
Q2 20260.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$105.8M11.59%0.07%0.24%102.5%
Q1 202664$104.2M11.32%0.08%0.21%104.1%
Q4 202565$105.0M11.19%0.12%0.42%101.1%
Q3 202566$102.0M11.50%0.20%0.56%102.8%
Q2 202566$103.7M11.17%0.19%0.53%101.3%
Q1 202565$100.2M11.42%0.22%0.50%102.9%
Q4 202465$97.0M11.70%0.31%0.37%98.2%
Q3 202465$98.0M11.48%0.23%0.34%95.1%
Q2 202467$93.6M12.08%0.29%0.43%101.4%

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 ratio11.59%
52nd
Problem loans0.07%
97th
Net charge-offs0.07%
89th
Return on assets0.24%
14th
Loans to deposits102.5%
2nd
Uninsured deposits35.0%
0th
Loan-loss reserves0.00%
50th
Texas ratio0.6%
94th

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I Am Federal Credit UnionCredit union New York, NY50 out of 100, Below average$103.2M11.8%4.37%vs
Greater Chautauqua Federal Credit UnionCredit union Falconer, NY73 out of 100, Strong$102.3M11.4%0.88%vs
Port Washington Federal Credit UnionCredit union Port Washington, NY61 out of 100, Moderate$109.9M15.3%4.28%vs
Compass Federal Credit UnionCredit union Oswego, NY89 out of 100, Very strong$101.5M15.3%0.46%vs

Deposit insurance

Is my money safe at Consumers Federal Credit Union?

Yes. Consumers Federal Credit Union is a federally insured credit union (NCUA charter #16951). 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 35.0% of shares and deposits ($31.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.59%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Consumers Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Consumers Federal Credit Union reported 26 home-loan applications under HMDA (LEI 984500F12EF9DCACA497): 26 originated ($12,370,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Consumers Federal Credit Union
Type
Federal credit union
NCUA charter #
16951
RSSD ID
976383
Primary regulator
NCUA
Established
1965
Headquarters
425 Neptune Ave, Brooklyn, NY 11224
Employees
12

Quick answers

Consumers Federal Credit Union: common questions

Is Consumers Federal Credit Union NCUA insured?

Yes. Consumers Federal Credit Union is a federally insured credit union (NCUA charter #16951). 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 Consumers Federal Credit Union's TellerScore?

66 out of 100 (Moderate), 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 Consumers Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Italo-American Federal Credit UnionCredit union Glendale, NY88 out of 100, Very strong$42.4M14.6%0.00%vs