TellerScore

Headquartered in Elmira, New York, Finger Lakes Health Care Federal Credit Union is a federal credit union with $35.2M in total assets and $29.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1973.

Based on its Q2 2026 filing, Finger Lakes Health Care Federal Credit Union scores 89/100, which we describe as very strong. That is higher than 87% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 31st. Its strongest component is capital cushion (100/100; 15.54%), and its lowest is earnings (45/100; 0.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.54%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.02%
Earnings45/100
Return on assets (annualized): 0.61%
Funding & liquidity100/100
Loans ÷ shares: 25.8% · 4.5% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.03%

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 fell 6 points (95 → 89), mostly because the earnings component weakened by 39 points.

TellerScore
899499Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202497
Q3 202491
Q4 202491
Q1 202599
Q2 202595
Q3 202596
Q4 202595
Q1 202689
Q2 202689
Net worth ratio
7.00%11.45%15.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.30%
Q3 202415.43%
Q4 202415.14%
Q1 202515.23%
Q2 202515.61%
Q3 202515.89%
Q4 202515.64%
Q1 202615.49%
Q2 202615.54%
Delinquent loans (60+ days)
0.00%0.08%0.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.06%
Q4 20240.00%
Q1 20250.05%
Q2 20250.16%
Q3 20250.00%
Q4 20250.01%
Q1 20260.00%
Q2 20260.02%
Return on assets
0.58%1.24%1.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.59%
Q3 20240.92%
Q4 20240.86%
Q1 20251.90%
Q2 20251.59%
Q3 20251.55%
Q4 20251.32%
Q1 20260.58%
Q2 20260.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$35.2M15.54%0.02%0.61%25.8%
Q1 202689$35.0M15.49%0.00%0.58%27.3%
Q4 202595$34.3M15.64%0.01%1.32%29.6%
Q3 202596$33.5M15.89%0.00%1.55%28.2%
Q2 202595$33.2M15.61%0.16%1.59%28.5%
Q1 202599$33.2M15.23%0.05%1.90%28.9%
Q4 202491$32.6M15.14%0.00%0.86%31.9%
Q3 202491$31.6M15.43%0.06%0.92%34.5%
Q2 202497$31.5M15.30%0.00%1.59%36.0%

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 ratio15.54%
58th
Problem loans0.02%
86th
Net charge-offs0.08%
59th
Return on assets0.61%
48th
Loans to deposits25.8%
92nd
Uninsured deposits4.5%
24th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
86th

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Deposit insurance

Is my money safe at Finger Lakes Health Care Federal Credit Union?

Yes. Finger Lakes Health Care Federal Credit Union is a federally insured credit union (NCUA charter #21294). 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 4.5% of shares and deposits ($1.3M) 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 15.54%, well 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

Finger Lakes Health Care Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Finger Lakes Health Care Federal Credit Union
Type
Federal credit union
NCUA charter #
21294
RSSD ID
480488
Primary regulator
NCUA
Established
1973
Headquarters
519 Hart St, Elmira, NY 14905
Employees
6

Quick answers

Finger Lakes Health Care Federal Credit Union: common questions

Is Finger Lakes Health Care Federal Credit Union NCUA insured?

Yes. Finger Lakes Health Care Federal Credit Union is a federally insured credit union (NCUA charter #21294). 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 Health Care Federal Credit Union's TellerScore?

89 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 Health Care Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
Servu Federal Credit UnionCredit union Painted Post, NY86 out of 100, Very strong$529.2M14.8%0.47%vs
Solutions Federal Credit UnionCredit union Elmira, NY83 out of 100, Strong$43.4M12.6%0.30%vs
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Chemung Canal Trust Company, National AssociationBank Elmira, NY72 out of 100, Strong$2.8B11.4%0.38%vs
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