TellerScore

Dannemora Federal Credit Union is a federal credit union headquartered in Plattsburgh, New York, in business for about 68 years. At the end of Q2 2026 it reported $320.3M in total assets and $273.9M in member shares and deposits, with 4 offices.

Dannemora Federal Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 48th. Capital cushion contributes the most (96/100, 14.55%); earnings contributes the least (64/100, 1.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion96/100
Net worth ratio: 14.55%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.51%
Earnings64/100
Return on assets (annualized): 1.11%
Funding & liquidity85/100
Loans ÷ shares: 75.2% · 2.9% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.29%

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 (83 → 85), mostly because the capital cushion component improved by 9 points.

TellerScore
808385Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202481
Q4 202483
Q1 202582
Q2 202583
Q3 202583
Q4 202584
Q1 202684
Q2 202685
Net worth ratio
7.00%10.78%14.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.00%
Q3 202413.19%
Q4 202413.83%
Q1 202513.69%
Q2 202513.68%
Q3 202514.19%
Q4 202514.35%
Q1 202614.30%
Q2 202614.55%
Delinquent loans (60+ days)
0.30%0.42%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.31%
Q4 20240.37%
Q1 20250.39%
Q2 20250.38%
Q3 20250.54%
Q4 20250.51%
Q1 20260.51%
Q2 20260.51%
Return on assets
0.98%1.08%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.98%
Q3 20241.03%
Q4 20241.11%
Q1 20250.98%
Q2 20251.10%
Q3 20251.14%
Q4 20251.19%
Q1 20261.10%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$320.3M14.55%0.51%1.11%75.2%
Q1 202684$319.7M14.30%0.51%1.10%75.8%
Q4 202584$312.5M14.35%0.51%1.19%78.4%
Q3 202583$308.3M14.19%0.54%1.14%79.1%
Q2 202583$313.2M13.68%0.38%1.10%76.2%
Q1 202582$305.8M13.69%0.39%0.98%77.2%
Q4 202483$297.3M13.83%0.37%1.11%80.1%
Q3 202481$304.6M13.19%0.31%1.03%80.1%
Q2 202480$302.5M13.00%0.30%0.98%80.2%

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 ratio14.55%
83rd
Problem loans0.51%
63rd
Net charge-offs0.25%
64th
Return on assets1.11%
73rd
Loans to deposits75.2%
51st
Uninsured deposits2.9%
82nd
Loan-loss reserves0.00%
50th
Texas ratio2.3%
72nd

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Access Federal Credit UnionCredit union Clinton, NY70 out of 100, Strong$320.1M9.4%0.89%vs
People'S Alliance Federal Credit UnionCredit union Hauppauge, NY67 out of 100, Moderate$322.2M11.1%0.58%vs
Secny Federal Credit UnionCredit union Syracuse, NY56 out of 100, Moderate$322.7M7.6%0.93%vs
Actors Federal Credit UnionCredit union New York, NY40 out of 100, Below average$331.3M9.5%2.64%vs
Nassau Financial Federal Credit UnionCredit union East Meadow, NY50 out of 100, Below average$334.4M6.2%0.41%vs
Tct Federal Credit UnionCredit union Ballston Spa, NY61 out of 100, Moderate$295.6M9.4%0.65%vs

Deposit insurance

Is my money safe at Dannemora Federal Credit Union?

Yes. Dannemora Federal Credit Union is a federally insured credit union (NCUA charter #12473). 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 2.9% of shares and deposits ($8.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.55%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Dannemora Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Dannemora Federal Credit Union
Type
Federal credit union
NCUA charter #
12473
RSSD ID
124988
Primary regulator
NCUA
Established
1958
Headquarters
342 Tom Miller Rd, Plattsburgh, NY 12901
Employees
46

Quick answers

Dannemora Federal Credit Union: common questions

Is Dannemora Federal Credit Union NCUA insured?

Yes. Dannemora Federal Credit Union is a federally insured credit union (NCUA charter #12473). 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 Dannemora 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 Dannemora Federal Credit Union have?

4 offices as of the latest NCUA data.