TellerScore

Cvph Employees Federal Credit Union (NCUA charter #22195) is based in Plattsburgh, New York. Its Q2 2026 call report shows $10.4M in total assets and $9.3M in member shares and deposits and 2 offices.

Cvph Employees Federal Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 40% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 143rd. Loan quality contributes the most (99/100, 0.04%); earnings contributes the least (29/100, 0.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.77%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.04%
Earnings29/100
Return on assets (annualized): 0.21%
Funding & liquidity81/100
Loans ÷ shares: 79.5% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.27%

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 (72 → 70), mostly because the earnings component weakened by 20 points.

TellerScore
687174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202473
Q4 202473
Q1 202573
Q2 202572
Q3 202574
Q4 202574
Q1 202670
Q2 202670
Net worth ratio
7.00%8.98%10.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.00%
Q3 202410.36%
Q4 202410.44%
Q1 202510.25%
Q2 202510.17%
Q3 202510.69%
Q4 202510.96%
Q1 202610.79%
Q2 202610.77%
Delinquent loans (60+ days)
0.00%0.31%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.62%
Q3 20240.00%
Q4 20240.00%
Q1 20250.06%
Q2 20250.08%
Q3 20250.00%
Q4 20250.00%
Q1 20260.06%
Q2 20260.04%
Return on assets
0.21%0.57%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.94%
Q3 20240.73%
Q4 20240.57%
Q1 20250.74%
Q2 20250.73%
Q3 20250.65%
Q4 20250.54%
Q1 20260.21%
Q2 20260.21%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$10.4M10.77%0.04%0.21%79.5%
Q1 202670$10.4M10.79%0.06%0.21%77.2%
Q4 202574$10.1M10.96%0.00%0.54%77.4%
Q3 202574$10.4M10.69%0.00%0.65%75.6%
Q2 202572$10.8M10.17%0.08%0.73%74.9%
Q1 202573$10.5M10.25%0.06%0.74%74.2%
Q4 202473$10.1M10.44%0.00%0.57%74.5%
Q3 202473$10.2M10.36%0.00%0.73%78.6%
Q2 202468$10.5M10.00%0.62%0.94%78.9%

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 ratio10.77%
22nd
Problem loans0.04%
84th
Net charge-offs0.02%
67th
Return on assets0.21%
28th
Loans to deposits79.5%
20th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.3%
80th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Metro Realtors Federal Credit UnionCredit union Melville, NY54 out of 100, Below average$10.6M9.6%0.50%vs
Maryvale Schools Federal Credit UnionCredit union Cheektowaga, NY75 out of 100, Strong$10.2M20.0%2.13%vs
Sing Sing Employees Federal Credit UnionCredit union Briarcliff Mano, NY73 out of 100, Strong$11.0M15.6%1.26%vs
Williamsville Federal Credit UnionCredit union Amherst, NY70 out of 100, Strong$11.1M11.8%0.15%vs
Seneca Nation of Indians Federal Credit UnionCredit union Irving, NY75 out of 100, Strong$9.5M13.5%1.43%vs
Plattsburgh City School District Federal Credit UnionCredit union Plattsburgh, NY86 out of 100, Very strong$9.4M15.6%0.32%vs

Deposit insurance

Is my money safe at Cvph Employees Federal Credit Union?

Yes. Cvph Employees Federal Credit Union is a federally insured credit union (NCUA charter #22195). 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 10.77%, 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

Cvph Employees Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Cvph Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
22195
RSSD ID
988582
Primary regulator
NCUA
Established
1975
Headquarters
75 Beekman St, Plattsburgh, NY 12901
Employees
3

Quick answers

Cvph Employees Federal Credit Union: common questions

Is Cvph Employees Federal Credit Union NCUA insured?

Yes. Cvph Employees Federal Credit Union is a federally insured credit union (NCUA charter #22195). 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 Cvph Employees Federal Credit Union's TellerScore?

70 out of 100 (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 Cvph Employees Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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