TellerScore

Elektra Federal Credit Union is a federal credit union headquartered in New York, New York, in business for about 86 years. At the end of Q2 2026 it reported $31.8M in total assets and $24.4M in member shares and deposits.

Based on its Q2 2026 filing, Elektra Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 24% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 195th. Its strongest component is capital cushion (100/100; 23.00%), and its lowest is loan quality (0/100; 8.88%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.00%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 8.88%
Earnings37/100
Return on assets (annualized): 0.44%
Funding & liquidity100/100
Loans ÷ shares: 10.6% · 0.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.15%

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 (63 → 62).

TellerScore
596163Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202460
Q4 202460
Q1 202559
Q2 202563
Q3 202559
Q4 202561
Q1 202663
Q2 202662
Net worth ratio
7.00%15.00%23.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202420.36%
Q3 202421.22%
Q4 202421.79%
Q1 202522.23%
Q2 202522.26%
Q3 202522.64%
Q4 202522.81%
Q1 202622.89%
Q2 202623.00%
Delinquent loans (60+ days)
5.99%8.77%11.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20245.99%
Q3 20248.31%
Q4 202411.28%
Q1 202511.54%
Q2 202511.49%
Q3 20256.84%
Q4 20256.57%
Q1 20267.45%
Q2 20268.88%
Return on assets
0.06%0.32%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.08%
Q3 20240.22%
Q4 20240.23%
Q1 20250.06%
Q2 20250.57%
Q3 20250.11%
Q4 20250.26%
Q1 20260.57%
Q2 20260.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$31.8M23.00%8.88%0.44%10.6%
Q1 202663$31.8M22.89%7.45%0.57%10.7%
Q4 202561$31.7M22.81%6.57%0.26%10.5%
Q3 202559$31.7M22.64%6.84%0.11%10.1%
Q2 202563$32.5M22.26%11.49%0.57%10.2%
Q1 202559$32.2M22.23%11.54%0.06%10.4%
Q4 202460$32.8M21.79%11.28%0.23%10.4%
Q3 202460$33.6M21.22%8.31%0.22%10.2%
Q2 202459$34.8M20.36%5.99%0.08%10.0%

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 ratio23.00%
85th
Problem loans8.88%
2nd
Net charge-offs-0.73%
99th
Return on assets0.44%
39th
Loans to deposits10.6%
98th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio3.2%
42nd

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InstitutionScoreAssetsCapitalProblem loansCompare
Erie County Employees Federal Credit UnionCredit union Buffalo, NY75 out of 100, Strong$31.5M13.7%1.15%vs
Gates Chili Federal Credit UnionCredit union Rochester, NY64 out of 100, Moderate$30.4M7.7%0.24%vs
Korean American Catholics Federal Credit UnionCredit union Flushing, NY71 out of 100, Strong$30.3M12.2%0.00%vs
Medisys Employees Federal Credit UnionCredit union Jamaica, NY69 out of 100, Moderate$33.3M9.5%0.70%vs
Rome Federal Credit UnionCredit union Rome, NY58 out of 100, Moderate$33.5M10.7%1.91%vs
Gowanda Area Federal Credit UnionCredit union Gowanda, NY99 out of 100, Very strong$33.5M16.1%0.00%vs

Deposit insurance

Is my money safe at Elektra Federal Credit Union?

Yes. Elektra Federal Credit Union is a federally insured credit union (NCUA charter #4127). 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 23.00%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Elektra Federal Credit Union
Type
Federal credit union
NCUA charter #
4127
RSSD ID
337573
Primary regulator
NCUA
Established
1940
Headquarters
124 W 30th St Rm 211, New York, NY 10001
Employees
3

Quick answers

Elektra Federal Credit Union: common questions

Is Elektra Federal Credit Union NCUA insured?

Yes. Elektra Federal Credit Union is a federally insured credit union (NCUA charter #4127). 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 Elektra 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.