TellerScore

Corning Federal Credit Union (NCUA charter #1644) is based in Corning, New York. Its Q2 2026 call report shows $2.8B in total assets and $2.5B in member shares and deposits and 10 offices across 3 states.

Corning Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than 50% of its 454 credit unions with $1 billion – $10 billion. Among 268 credit unions headquartered in New York, it ranks 151st. Problem-loan coverage contributes the most (93/100, 3.5%); earnings contributes the least (53/100, 0.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.85%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.45%
Earnings53/100
Return on assets (annualized): 0.83%
Funding & liquidity64/100
Loans ÷ shares: 95.8% · 13.1% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.53%

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 rose 2 points (66 → 68), mostly because the earnings component improved by 10 points.

TellerScore
666870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202467
Q4 202467
Q1 202566
Q2 202566
Q3 202567
Q4 202567
Q1 202669
Q2 202668
Net worth ratio
7.00%9.08%11.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.16%
Q3 202411.12%
Q4 202411.12%
Q1 202510.77%
Q2 202511.00%
Q3 202511.06%
Q4 202510.93%
Q1 202610.83%
Q2 202610.85%
Delinquent loans (60+ days)
0.42%0.53%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.48%
Q3 20240.58%
Q4 20240.64%
Q1 20250.53%
Q2 20250.52%
Q3 20250.48%
Q4 20250.50%
Q1 20260.42%
Q2 20260.45%
Return on assets
0.55%0.74%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.92%
Q3 20240.78%
Q4 20240.73%
Q1 20250.55%
Q2 20250.58%
Q3 20250.67%
Q4 20250.77%
Q1 20260.83%
Q2 20260.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$2.8B10.85%0.45%0.83%95.8%
Q1 202669$2.7B10.83%0.42%0.83%93.7%
Q4 202567$2.6B10.93%0.50%0.77%97.7%
Q3 202567$2.5B11.06%0.48%0.67%97.1%
Q2 202566$2.5B11.00%0.52%0.58%94.9%
Q1 202566$2.5B10.77%0.53%0.55%92.4%
Q4 202467$2.4B11.12%0.64%0.73%95.6%
Q3 202467$2.4B11.12%0.58%0.78%96.1%
Q2 202470$2.4B11.16%0.48%0.92%97.8%

454 peers · $1 billion – $10 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 ratio10.85%
49th
Problem loans0.45%
75th
Net charge-offs0.49%
53rd
Return on assets0.83%
53rd
Loans to deposits95.8%
24th
Uninsured deposits13.1%
20th
Loan-loss reserves0.00%
50th
Texas ratio3.5%
68th

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Deposit insurance

Is my money safe at Corning Federal Credit Union?

Yes. Corning Federal Credit Union is a federally insured credit union (NCUA charter #1644). 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 13.1% of shares and deposits ($322.0M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.85%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Corning Federal Credit Union lists 10 offices in 6 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Corning Federal Credit Union
Type
Federal credit union
NCUA charter #
1644
RSSD ID
482978
Primary regulator
NCUA
Established
1936
Headquarters
PO Box 1450, Corning, NY 14830
Employees
449

Quick answers

Corning Federal Credit Union: common questions

Is Corning Federal Credit Union NCUA insured?

Yes. Corning Federal Credit Union is a federally insured credit union (NCUA charter #1644). 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 Corning Federal Credit Union's TellerScore?

68 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 Corning Federal Credit Union have?

10 offices as of the latest NCUA data, in 3 states.

Nearby

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