TellerScore

G.P.O. Federal Credit Union (NCUA charter #22931) is based in New Hartford, New York. Its Q2 2026 call report shows $629.8M in total assets and $552.2M in member shares and deposits and 8 offices.

G.P.O. Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 76% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 77th. Funding & liquidity contributes the most (100/100, 60% loans-to-deposits, 5% uninsured); earnings contributes the least (64/100, 1.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.70%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings64/100
Return on assets (annualized): 1.11%
Funding & liquidity100/100
Loans ÷ shares: 59.6% · 4.7% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.73%

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 (78 → 79).

TellerScore
767880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202478
Q3 202480
Q4 202479
Q1 202577
Q2 202578
Q3 202580
Q4 202580
Q1 202676
Q2 202679
Net worth ratio
7.00%9.35%11.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.03%
Q3 202411.21%
Q4 202411.28%
Q1 202511.14%
Q2 202511.24%
Q3 202511.52%
Q4 202511.54%
Q1 202611.51%
Q2 202611.70%
Delinquent loans (60+ days)
0.33%0.40%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.33%
Q3 20240.34%
Q4 20240.42%
Q1 20250.33%
Q2 20250.40%
Q3 20250.44%
Q4 20250.47%
Q1 20260.44%
Q2 20260.39%
Return on assets
0.85%1.13%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.19%
Q3 20241.31%
Q4 20241.27%
Q1 20251.03%
Q2 20251.14%
Q3 20251.41%
Q4 20251.37%
Q1 20260.85%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$629.8M11.70%0.39%1.11%59.6%
Q1 202676$621.7M11.51%0.44%0.85%58.0%
Q4 202580$608.2M11.54%0.47%1.37%59.8%
Q3 202580$591.3M11.52%0.44%1.41%61.0%
Q2 202578$580.3M11.24%0.40%1.14%60.4%
Q1 202577$568.8M11.14%0.33%1.03%60.1%
Q4 202479$548.8M11.28%0.42%1.27%61.2%
Q3 202480$537.3M11.21%0.34%1.31%61.1%
Q2 202478$526.8M11.03%0.33%1.19%61.5%

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 ratio11.70%
54th
Problem loans0.39%
75th
Net charge-offs0.34%
51st
Return on assets1.11%
72nd
Loans to deposits59.6%
78th
Uninsured deposits4.7%
63rd
Loan-loss reserves0.00%
50th
Texas ratio1.7%
79th

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Deposit insurance

Is my money safe at G.P.O. Federal Credit Union?

Yes. G.P.O. Federal Credit Union is a federally insured credit union (NCUA charter #22931). 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 4.7% of shares and deposits ($26.1M) 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 11.70%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

G.P.O. Federal Credit Union lists 8 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, G.P.O. Federal Credit Union reported 560 home-loan applications under HMDA (LEI 5493008UZWYHK74O4341): 318 originated ($40,870,000 total), 221 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 40.4%, 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
G.P.O. Federal Credit Union
Type
Federal credit union
NCUA charter #
22931
RSSD ID
83085
Primary regulator
NCUA
Established
1978
Headquarters
4311 Middle Settlement Rd, New Hartford, NY 13413
Employees
129

Quick answers

G.P.O. Federal Credit Union: common questions

Is G.P.O. Federal Credit Union NCUA insured?

Yes. G.P.O. Federal Credit Union is a federally insured credit union (NCUA charter #22931). 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 G.P.O. Federal Credit Union's TellerScore?

79 out of 100 (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 G.P.O. Federal Credit Union have?

8 offices as of the latest NCUA data.

Nearby

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