TellerScore

Fourleaf Federal Credit Union is a federal credit union headquartered in Bethpage, New York, in business for about 85 years. At the end of Q2 2026 it reported $14.4B in total assets and $13.0B in member shares and deposits, with 20 offices.

Fourleaf Federal Credit Union has a TellerScore of 44 out of 100 (below average) based on Q2 2026 data — higher than only 0% of its 25 credit unions with over $10 billion. Among 268 credit unions headquartered in New York, it ranks 255th. Funding & liquidity contributes the most (72/100, 88% loans-to-deposits, 14% uninsured); loan quality contributes the least (26/100, 2.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.12%
Loan quality26/100
Loans 60+ days delinquent ÷ total loans: 2.23%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity72/100
Loans ÷ shares: 87.9% · 13.6% uninsured
Problem-loan coverage58/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 20.92%

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 5 points (49 → 44), mostly because the loan quality component weakened by 21 points.

TellerScore
444750Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202448
Q3 202449
Q4 202447
Q1 202550
Q2 202549
Q3 202545
Q4 202545
Q1 202647
Q2 202644
Net worth ratio
7.00%8.14%9.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.28%
Q3 20249.22%
Q4 20249.08%
Q1 20259.12%
Q2 20259.04%
Q3 20259.11%
Q4 20259.06%
Q1 20269.07%
Q2 20269.12%
Delinquent loans (60+ days)
1.49%1.86%2.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.98%
Q3 20241.73%
Q4 20241.74%
Q1 20251.49%
Q2 20251.60%
Q3 20252.05%
Q4 20252.00%
Q1 20262.02%
Q2 20262.23%
Return on assets
0.36%0.48%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.60%
Q3 20240.46%
Q4 20240.36%
Q1 20250.39%
Q2 20250.36%
Q3 20250.49%
Q4 20250.48%
Q1 20260.61%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202644$14.4B9.12%2.23%0.58%87.9%
Q1 202647$14.4B9.07%2.02%0.61%86.7%
Q4 202545$14.0B9.06%2.00%0.48%87.8%
Q3 202545$14.1B9.11%2.05%0.49%86.9%
Q2 202549$13.9B9.04%1.60%0.36%87.1%
Q1 202550$13.5B9.12%1.49%0.39%86.5%
Q4 202447$13.4B9.08%1.74%0.36%87.7%
Q3 202449$13.3B9.22%1.73%0.46%86.9%
Q2 202448$12.9B9.28%1.98%0.60%88.1%

25 peers · Over $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 ratio9.12%
13th
Problem loans2.23%
4th
Net charge-offs0.56%
67th
Return on assets0.58%
29th
Loans to deposits87.9%
54th
Uninsured deposits13.6%
29th
Loan-loss reserves0.00%
50th
Texas ratio20.9%
0th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
ESL Federal Credit UnionCredit union Rochester, NY90 out of 100, Very strong$10.8B16.4%0.90%vs
United Nations Federal Credit UnionCredit union Long Island CIT, NY76 out of 100, Strong$10.7B9.8%0.28%vs

Deposit insurance

Is my money safe at Fourleaf Federal Credit Union?

Yes. Fourleaf Federal Credit Union is a federally insured credit union (NCUA charter #4735). 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 13.6% of shares and deposits ($1.8B) are above the $250,000 NCUA insurance limit, close to the peer median of 12%. Insured balances are protected regardless of the score.

The net worth ratio is 9.12%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

20 locations

Branches

Fourleaf Federal Credit Union lists 20 offices in 20 cities. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 502 consumer complaints about FourLeaf Federal Credit Union to the company (222 in the last 12 months). 99.8% received a timely response. That is 38.6 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

Identity & history

Profile

Legal name
Fourleaf Federal Credit Union
Type
Federal credit union
NCUA charter #
4735
RSSD ID
136374
Primary regulator
NCUA
Established
1941
Headquarters
899 So. Oyster Bay Road, Bethpage, NY 11714
Employees
1,222

Quick answers

Fourleaf Federal Credit Union: common questions

Is Fourleaf Federal Credit Union NCUA insured?

Yes. Fourleaf Federal Credit Union is a federally insured credit union (NCUA charter #4735). 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 Fourleaf Federal Credit Union's TellerScore?

44 out of 100 (Below average), 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 Fourleaf Federal Credit Union have?

20 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT89 out of 100, Very strong$32.6M14.5%0.87%vs