TellerScore

First New York Federal Credit Union is a federal credit union headquartered in Albany, New York, in business for about 89 years. At the end of Q2 2026 it reported $574.0M in total assets and $521.0M in member shares and deposits, with 7 offices.

Based on its Q2 2026 filing, First New York Federal Credit Union scores 63/100, which we describe as moderate. That is higher than only 29% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 186th. Its strongest component is problem-loan coverage (92/100; 4.1%), and its lowest is earnings (40/100; 0.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.39%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings40/100
Return on assets (annualized): 0.51%
Funding & liquidity79/100
Loans ÷ shares: 81.5% · 2.1% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.09%

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 → 63).

TellerScore
616466Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202462
Q4 202462
Q1 202566
Q2 202563
Q3 202563
Q4 202562
Q1 202662
Q2 202663
Net worth ratio
7.00%8.34%9.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.38%
Q3 20249.41%
Q4 20249.17%
Q1 20259.35%
Q2 20259.37%
Q3 20259.68%
Q4 20259.47%
Q1 20269.45%
Q2 20269.39%
Delinquent loans (60+ days)
0.48%0.64%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.70%
Q3 20240.67%
Q4 20240.61%
Q1 20250.65%
Q2 20250.79%
Q3 20250.73%
Q4 20250.76%
Q1 20260.52%
Q2 20260.48%
Return on assets
0.43%0.77%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.56%
Q4 20240.58%
Q1 20251.11%
Q2 20250.88%
Q3 20250.84%
Q4 20250.74%
Q1 20260.46%
Q2 20260.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$574.0M9.39%0.48%0.51%81.5%
Q1 202662$556.3M9.45%0.52%0.46%83.1%
Q4 202562$535.0M9.47%0.76%0.74%86.6%
Q3 202563$504.5M9.68%0.73%0.84%87.3%
Q2 202563$524.9M9.37%0.79%0.88%81.4%
Q1 202566$526.0M9.35%0.65%1.11%78.5%
Q4 202462$508.1M9.17%0.61%0.58%79.9%
Q3 202462$488.4M9.41%0.67%0.56%81.9%
Q2 202461$493.4M9.38%0.70%0.43%77.7%

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 ratio9.39%
18th
Problem loans0.48%
67th
Net charge-offs0.25%
64th
Return on assets0.51%
31st
Loans to deposits81.5%
37th
Uninsured deposits2.1%
89th
Loan-loss reserves0.00%
50th
Texas ratio4.1%
50th

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Teg Federal Credit UnionCredit union Poughkeepsie, NY65 out of 100, Moderate$506.5M9.0%0.52%vs
Advantage Federal Credit UnionCredit union Rochester, NY64 out of 100, Moderate$497.5M10.1%0.55%vs
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Deposit insurance

Is my money safe at First New York Federal Credit Union?

Yes. First New York Federal Credit Union is a federally insured credit union (NCUA charter #2440). 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 2.1% of shares and deposits ($10.8M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.39%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

First New York Federal Credit Union lists 7 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First New York Federal Credit Union
Type
Federal credit union
NCUA charter #
2440
RSSD ID
743174
Primary regulator
NCUA
Established
1937
Headquarters
2 Wall Street, Albany, NY 12205
Employees
143

Quick answers

First New York Federal Credit Union: common questions

Is First New York Federal Credit Union NCUA insured?

Yes. First New York Federal Credit Union is a federally insured credit union (NCUA charter #2440). 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 First New York Federal Credit Union's TellerScore?

63 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 First New York Federal Credit Union have?

7 offices as of the latest NCUA data.

Nearby

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