TellerScore

Headquartered in New Hartford, New York, First Source Federal Credit Union is a federal credit union with $1.1B in total assets and $999.1M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1938.

First Source Federal Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 454 credit unions with $1 billion – $10 billion. Among 268 credit unions headquartered in New York, it ranks 210th. Problem-loan coverage contributes the most (80/100, 9.8%); capital cushion contributes the least (53/100, 10.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.29%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.03%
Earnings54/100
Return on assets (annualized): 0.85%
Funding & liquidity54/100
Loans ÷ shares: 105.9% · 3.3% uninsured
Problem-loan coverage80/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.75%

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 (60 → 59).

TellerScore
565961Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202460
Q4 202456
Q1 202561
Q2 202560
Q3 202559
Q4 202558
Q1 202661
Q2 202659
Net worth ratio
7.00%8.64%10.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.48%
Q3 20249.67%
Q4 20249.67%
Q1 20259.77%
Q2 20259.83%
Q3 20259.97%
Q4 202510.04%
Q1 202610.12%
Q2 202610.29%
Delinquent loans (60+ days)
0.62%0.83%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.86%
Q3 20240.74%
Q4 20241.02%
Q1 20250.62%
Q2 20250.76%
Q3 20250.85%
Q4 20250.93%
Q1 20260.81%
Q2 20261.03%
Return on assets
0.67%0.77%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 20240.86%
Q4 20240.73%
Q1 20250.67%
Q2 20250.71%
Q3 20250.74%
Q4 20250.71%
Q1 20260.74%
Q2 20260.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$1.1B10.29%1.03%0.85%105.9%
Q1 202661$1.1B10.12%0.81%0.74%103.3%
Q4 202558$1.1B10.04%0.93%0.71%105.6%
Q3 202559$1.1B9.97%0.85%0.74%106.9%
Q2 202560$1.1B9.83%0.76%0.71%103.9%
Q1 202561$1.1B9.77%0.62%0.67%103.4%
Q4 202456$1.1B9.67%1.02%0.73%108.8%
Q3 202460$1.1B9.67%0.74%0.86%111.8%
Q2 202457$1.0B9.48%0.86%0.73%107.8%

454 peers · $1 billion – $10 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 ratio10.29%
35th
Problem loans1.03%
25th
Net charge-offs0.81%
23rd
Return on assets0.85%
55th
Loans to deposits105.9%
5th
Uninsured deposits3.3%
95th
Loan-loss reserves0.00%
50th
Texas ratio9.8%
16th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Sunmark Credit UnionCredit union Albany, NY56 out of 100, Moderate$1.2B9.5%1.37%vs
Sidney Federal Credit UnionCredit union Sidney, NY67 out of 100, Moderate$1.3B10.5%0.85%vs
Island Federal Credit UnionCredit union Hauppauge, NY60 out of 100, Moderate$1.3B10.4%1.10%vs
Quorum Federal Credit UnionCredit union Purchase, NY59 out of 100, Moderate$1.4B9.8%1.74%vs
The Summit Federal Credit UnionCredit union Rochester, NY72 out of 100, Strong$1.5B11.3%0.34%vs
Beginnings Credit UnionCredit union Ithaca, NY77 out of 100, Strong$1.5B14.0%0.69%vs

Deposit insurance

Is my money safe at First Source Federal Credit Union?

Yes. First Source Federal Credit Union is a federally insured credit union (NCUA charter #2658). 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 3.3% of shares and deposits ($33.0M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.29%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

First Source Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Source Federal Credit Union
Type
Federal credit union
NCUA charter #
2658
RSSD ID
695376
Primary regulator
NCUA
Established
1938
Headquarters
4451 Commercial Dr, New Hartford, NY 13413
Employees
244

Quick answers

First Source Federal Credit Union: common questions

Is First Source Federal Credit Union NCUA insured?

Yes. First Source Federal Credit Union is a federally insured credit union (NCUA charter #2658). 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 Source Federal Credit Union's TellerScore?

59 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 Source Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
Bank of UticaBank Utica, NY92 out of 100, Very strong$1.5B26.5%0.59%vs
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Utica District Telephone Employees Federal Credit UnionCredit union Utica, NY82 out of 100, Strong$40.3M31.9%0.83%vs
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Utica Gas & Electric Emp Federal Credit UnionCredit union New Hartford, NY73 out of 100, Strong$135.9M16.7%1.72%vs