TellerScore

Headquartered in Hartsdale, New York, Educational and Governmental Federal Credit Union is a federal credit union with $56.1M in total assets and $48.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1937.

Educational and Governmental Federal Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 194th. Funding & liquidity contributes the most (100/100, 33% loans-to-deposits, 2% uninsured); earnings contributes the least (14/100, -0.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 10.97%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.04%
Earnings14/100
Return on assets (annualized): -0.15%
Funding & liquidity100/100
Loans ÷ shares: 32.7% · 2.3% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.70%

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 (61 → 62).

TellerScore
455769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202463
Q4 202469
Q1 202566
Q2 202561
Q3 202547
Q4 202545
Q1 202663
Q2 202662
Net worth ratio
7.00%9.04%11.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.50%
Q3 202410.80%
Q4 202410.40%
Q1 202510.78%
Q2 202510.18%
Q3 202510.78%
Q4 202510.73%
Q1 202611.09%
Q2 202610.97%
Delinquent loans (60+ days)
0.35%1.80%3.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.62%
Q3 20240.46%
Q4 20240.35%
Q1 20250.69%
Q2 20251.03%
Q3 20252.89%
Q4 20253.25%
Q1 20261.34%
Q2 20261.04%
Return on assets
-0.64%-0.14%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.56%
Q3 2024-0.64%
Q4 20240.29%
Q1 20250.13%
Q2 20250.02%
Q3 20250.12%
Q4 20250.13%
Q1 20260.36%
Q2 2026-0.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$56.1M10.97%1.04%-0.15%32.7%
Q1 202663$56.4M11.09%1.34%0.36%31.8%
Q4 202545$56.2M10.73%3.25%0.13%33.3%
Q3 202547$55.9M10.78%2.89%0.12%32.8%
Q2 202561$58.8M10.18%1.03%0.02%32.5%
Q1 202566$55.6M10.78%0.69%0.13%31.5%
Q4 202469$57.5M10.40%0.35%0.29%32.2%
Q3 202463$51.7M10.80%0.46%-0.64%31.2%
Q2 202461$54.1M10.50%0.62%-0.56%28.9%

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 ratio10.97%
24th
Problem loans1.04%
38th
Net charge-offs0.90%
16th
Return on assets-0.15%
16th
Loans to deposits32.7%
86th
Uninsured deposits2.3%
42nd
Loan-loss reserves0.00%
37th
Texas ratio2.7%
45th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Brooklyn CooperativeCredit union Brooklyn, NY35 out of 100, Low$55.9M10.0%4.01%vs
Rockland Employees Federal Credit UnionCredit union Spring Valley, NY52 out of 100, Below average$54.9M15.8%3.28%vs
Yonkers Teachers Federal Credit UnionCredit union Yonkers, NY75 out of 100, Strong$57.4M15.0%1.19%vs
Van Cortlandt CooperativeCredit union Bronx, NY75 out of 100, Strong$54.6M12.2%0.78%vs
Saratoga'S Community Federal Credit UnionCredit union Saratoga Spring, NY65 out of 100, Moderate$57.9M8.6%0.33%vs
Qside Federal Credit UnionCredit union Queens Village, NY84 out of 100, Strong$53.5M11.5%0.42%vs

Deposit insurance

Is my money safe at Educational and Governmental Federal Credit Union?

Yes. Educational and Governmental Federal Credit Union is a federally insured credit union (NCUA charter #2346). 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 2.3% of shares and deposits ($1.1M) 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 10.97%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Educational and Governmental Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Educational and Governmental Federal Credit Union
Type
Federal credit union
NCUA charter #
2346
RSSD ID
118473
Primary regulator
NCUA
Established
1937
Headquarters
333 North Central Ave Fl 2, Hartsdale, NY 10530
Employees
12

Quick answers

Educational and Governmental Federal Credit Union: common questions

Is Educational and Governmental Federal Credit Union NCUA insured?

Yes. Educational and Governmental Federal Credit Union is a federally insured credit union (NCUA charter #2346). 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 Educational and Governmental Federal Credit Union's TellerScore?

62 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 Educational and Governmental Federal Credit Union have?

1 office as of the latest NCUA data.