TellerScore

Finger Lakes Federal Credit Union (NCUA charter #18022) is based in Geneva, New York. Its Q2 2026 call report shows $259.5M in total assets and $219.2M in member shares and deposits and 3 offices.

Finger Lakes Federal Credit Union has a TellerScore of 96 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 5th. Capital cushion contributes the most (100/100, 15.05%); funding & liquidity contributes the least (88/100, 72% loans-to-deposits, 4% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.05%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.10%
Earnings91/100
Return on assets (annualized): 1.76%
Funding & liquidity88/100
Loans ÷ shares: 72.0% · 4.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.41%

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 3 points (93 → 96), mostly because the capital cushion component improved by 12 points.

TellerScore
839096Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202486
Q4 202488
Q1 202592
Q2 202593
Q3 202594
Q4 202595
Q1 202695
Q2 202696
Net worth ratio
7.00%11.03%15.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.00%
Q3 202412.54%
Q4 202413.02%
Q1 202513.48%
Q2 202513.82%
Q3 202514.16%
Q4 202514.45%
Q1 202614.76%
Q2 202615.05%
Delinquent loans (60+ days)
0.10%0.18%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.21%
Q3 20240.19%
Q4 20240.26%
Q1 20250.10%
Q2 20250.10%
Q3 20250.19%
Q4 20250.11%
Q1 20260.12%
Q2 20260.10%
Return on assets
1.59%1.85%2.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.59%
Q3 20241.73%
Q4 20241.86%
Q1 20252.11%
Q2 20252.00%
Q3 20252.03%
Q4 20252.01%
Q1 20261.83%
Q2 20261.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202696$259.5M15.05%0.10%1.76%72.0%
Q1 202695$253.1M14.76%0.12%1.83%73.1%
Q4 202595$247.9M14.45%0.11%2.01%75.1%
Q3 202594$248.3M14.16%0.19%2.03%75.0%
Q2 202593$250.0M13.82%0.10%2.00%74.2%
Q1 202592$241.2M13.48%0.10%2.11%74.8%
Q4 202488$236.2M13.02%0.26%1.86%77.1%
Q3 202486$235.3M12.54%0.19%1.73%79.0%
Q2 202483$237.6M12.00%0.21%1.59%77.4%

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 ratio15.05%
85th
Problem loans0.10%
95th
Net charge-offs0.12%
83rd
Return on assets1.76%
94th
Loans to deposits72.0%
57th
Uninsured deposits4.0%
71st
Loan-loss reserves0.00%
50th
Texas ratio0.4%
95th

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Deposit insurance

Is my money safe at Finger Lakes Federal Credit Union?

Yes. Finger Lakes Federal Credit Union is a federally insured credit union (NCUA charter #18022). 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 4.0% of shares and deposits ($8.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.05%, well 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

Finger Lakes Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Finger Lakes Federal Credit Union reported 138 home-loan applications under HMDA (LEI 549300GCNN38YBSHN374): 96 originated ($11,260,000 total), 23 denied, and 19 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Finger Lakes Federal Credit Union
Type
Federal credit union
NCUA charter #
18022
RSSD ID
670681
Primary regulator
NCUA
Established
1967
Headquarters
Po Box 433, Geneva, NY 14456
Employees
50

Quick answers

Finger Lakes Federal Credit Union: common questions

Is Finger Lakes Federal Credit Union NCUA insured?

Yes. Finger Lakes Federal Credit Union is a federally insured credit union (NCUA charter #18022). 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 Finger Lakes Federal Credit Union's TellerScore?

96 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 Finger Lakes Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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