TellerScore

Headquartered in Glens Falls, New York, Coopers Cave Federal Credit Union is a federal credit union with $21.6M in total assets and $19.6M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1958.

Coopers Cave Federal Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 191st. Funding & liquidity contributes the most (100/100, 41% loans-to-deposits, 0% uninsured); capital cushion contributes the least (33/100, 8.26%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Net worth ratio: 8.26%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.81%
Earnings51/100
Return on assets (annualized): 0.77%
Funding & liquidity100/100
Loans ÷ shares: 41.3% · 0.0% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.25%

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 (63 → 63).

TellerScore
485969Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202448
Q3 202460
Q4 202462
Q1 202567
Q2 202563
Q3 202560
Q4 202569
Q1 202669
Q2 202663
Net worth ratio
6.43%7.34%8.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20246.43%
Q3 20247.10%
Q4 20247.04%
Q1 20256.55%
Q2 20257.37%
Q3 20258.01%
Q4 20257.81%
Q1 20267.98%
Q2 20268.26%
Delinquent loans (60+ days)
0.00%0.73%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.45%
Q3 20240.51%
Q4 20240.35%
Q1 20250.00%
Q2 20250.76%
Q3 20251.39%
Q4 20250.30%
Q1 20260.00%
Q2 20260.81%
Return on assets
0.48%0.84%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.63%
Q4 20240.62%
Q1 20251.07%
Q2 20251.15%
Q3 20251.21%
Q4 20251.14%
Q1 20260.80%
Q2 20260.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$21.6M8.26%0.81%0.77%41.3%
Q1 202669$21.9M7.98%0.00%0.80%43.2%
Q4 202569$21.1M7.81%0.30%1.14%46.6%
Q3 202560$20.6M8.01%1.39%1.21%48.8%
Q2 202563$21.6M7.37%0.76%1.15%48.7%
Q1 202567$23.3M6.55%0.00%1.07%44.2%
Q4 202462$20.8M7.04%0.35%0.62%51.1%
Q3 202460$20.2M7.10%0.51%0.63%52.9%
Q2 202448$21.6M6.43%1.45%0.48%51.2%

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 ratio8.26%
5th
Problem loans0.81%
46th
Net charge-offs0.12%
55th
Return on assets0.77%
57th
Loans to deposits41.3%
77th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio4.2%
34th

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The Heart Center Federal Credit UnionCredit union Roslyn, NY72 out of 100, Strong$20.4M15.7%2.06%vs

Deposit insurance

Is my money safe at Coopers Cave Federal Credit Union?

Yes. Coopers Cave Federal Credit Union is a federally insured credit union (NCUA charter #12671). 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 8.26%, slightly 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Coopers Cave Federal Credit Union
Type
Federal credit union
NCUA charter #
12671
RSSD ID
446886
Primary regulator
NCUA
Established
1958
Headquarters
92 Dix Avenue, Glens Falls, NY 12801
Employees
4

Quick answers

Coopers Cave Federal Credit Union: common questions

Is Coopers Cave Federal Credit Union NCUA insured?

Yes. Coopers Cave Federal Credit Union is a federally insured credit union (NCUA charter #12671). 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 Coopers Cave Federal Credit Union's TellerScore?

63 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 Coopers Cave Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Glens Falls

InstitutionScoreAssetsCapitalProblem loansCompare
Parks Heritage Federal Credit UnionCredit union Glens Falls, NY90 out of 100, Very strong$42.3M16.6%0.28%vs
Hudson River Community Federal Credit UnionCredit union Corinth, NY77 out of 100, Strong$364.2M15.3%1.17%vs
Chemung Canal Trust Company, National AssociationBank Elmira, NY72 out of 100, Strong$2.8B11.4%0.38%vs
Great Meadow Federal Credit UnionCredit union Hudson Falls, NY70 out of 100, Strong$84.1M10.4%0.58%vs
The Adirondack Trust CompanyBank Saratoga Springs, NY69 out of 100, Moderate$1.7B10.5%0.44%vs
Arrow Bank National AssociationBank Glens Falls, NY66 out of 100, Moderate$4.5B9.3%0.24%vs