TellerScore

Eastern Operating Engineers Federal Credit Union is a federal credit union headquartered in Whitestone, New York, in business for about 52 years. At the end of Q2 2026 it reported $88.6M in total assets and $75.9M in member shares and deposits, with 3 offices across 2 states.

Based on its Q2 2026 filing, Eastern Operating Engineers Federal Credit Union scores 60/100, which we describe as moderate. That is higher than only 22% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 203rd. Its strongest component is loan quality (89/100; 0.32%), and its lowest is funding & liquidity (31/100; 79% loans-to-deposits, 75% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.82%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.32%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity31/100
Loans ÷ shares: 79.3% · 75.2% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.33%

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 13 points (47 → 60), mostly because the loan quality component improved by 32 points.

TellerScore
475460Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202457
Q4 202454
Q1 202558
Q2 202547
Q3 202556
Q4 202555
Q1 202655
Q2 202660
Net worth ratio
7.00%8.41%9.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.78%
Q3 20249.11%
Q4 20248.59%
Q1 20258.86%
Q2 20258.98%
Q3 20259.72%
Q4 20259.05%
Q1 20269.09%
Q2 20269.82%
Delinquent loans (60+ days)
0.21%0.75%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.34%
Q3 20240.23%
Q4 20240.21%
Q1 20250.28%
Q2 20251.29%
Q3 20250.52%
Q4 20250.41%
Q1 20260.86%
Q2 20260.32%
Return on assets
0.38%0.65%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.49%
Q3 20240.66%
Q4 20240.38%
Q1 20250.78%
Q2 20250.61%
Q3 20250.63%
Q4 20250.52%
Q1 20260.91%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$88.6M9.82%0.32%0.78%79.3%
Q1 202655$94.3M9.09%0.86%0.91%76.7%
Q4 202555$92.3M9.05%0.41%0.52%80.5%
Q3 202556$85.1M9.72%0.52%0.63%88.3%
Q2 202547$90.8M8.98%1.29%0.61%81.8%
Q1 202558$90.9M8.86%0.28%0.78%83.1%
Q4 202454$91.6M8.59%0.21%0.38%83.9%
Q3 202457$87.3M9.11%0.23%0.66%89.0%
Q2 202454$88.2M8.78%0.34%0.49%87.9%

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 ratio9.82%
15th
Problem loans0.32%
67th
Net charge-offs-0.02%
88th
Return on assets0.78%
57th
Loans to deposits79.3%
20th
Uninsured deposits75.2%
0th
Loan-loss reserves0.00%
37th
Texas ratio5.3%
28th

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Good Neighbors Federal Credit UnionCredit union Depew, NY30 out of 100, Low$91.7M7.6%2.85%vs
Lower East Side People'S Federal Credit UnionCredit union New York, NY50 out of 100, Below average$84.8M21.4%4.45%vs
Western New York Federal Credit UnionCredit union West Seneca, NY79 out of 100, Strong$92.6M11.5%0.33%vs

Deposit insurance

Is my money safe at Eastern Operating Engineers Federal Credit Union?

Yes. Eastern Operating Engineers Federal Credit Union is a federally insured credit union (NCUA charter #21630). 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 75.2% of shares and deposits ($57.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.82%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Eastern Operating Engineers Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Eastern Operating Engineers Federal Credit Union
Type
Federal credit union
NCUA charter #
21630
RSSD ID
6682
Primary regulator
NCUA
Established
1974
Headquarters
1616 Whitestone Expy, Whitestone, NY 11357
Employees
11

Quick answers

Eastern Operating Engineers Federal Credit Union: common questions

Is Eastern Operating Engineers Federal Credit Union NCUA insured?

Yes. Eastern Operating Engineers Federal Credit Union is a federally insured credit union (NCUA charter #21630). 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 Eastern Operating Engineers Federal Credit Union's TellerScore?

60 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 Eastern Operating Engineers Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

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