TellerScore

Headquartered in Rochester, New York, Gates Chili Federal Credit Union is a federal credit union with $30.4M in total assets and $28.2M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1964.

Based on its Q2 2026 filing, Gates Chili Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 28% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 183rd. Its strongest component is funding & liquidity (100/100; 49% loans-to-deposits, 5% uninsured), and its lowest is capital cushion (27/100; 7.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion27/100
Net worth ratio: 7.68%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.24%
Earnings41/100
Return on assets (annualized): 0.51%
Funding & liquidity100/100
Loans ÷ shares: 49.2% · 4.8% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.45%

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 rose 5 points (59 → 64), mostly because the capital cushion component improved by 7 points.

TellerScore
566064Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202461
Q4 202456
Q1 202559
Q2 202559
Q3 202563
Q4 202559
Q1 202663
Q2 202664
Net worth ratio
6.47%7.07%7.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20246.47%
Q3 20246.84%
Q4 20246.99%
Q1 20256.92%
Q2 20256.95%
Q3 20257.31%
Q4 20257.41%
Q1 20267.33%
Q2 20267.68%
Delinquent loans (60+ days)
0.10%0.41%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.22%
Q3 20240.10%
Q4 20240.68%
Q1 20250.34%
Q2 20250.43%
Q3 20250.35%
Q4 20250.73%
Q1 20260.25%
Q2 20260.24%
Return on assets
0.10%0.41%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.10%
Q3 20240.24%
Q4 20240.36%
Q1 20250.33%
Q2 20250.36%
Q3 20250.71%
Q4 20250.55%
Q1 20260.54%
Q2 20260.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$30.4M7.68%0.24%0.51%49.2%
Q1 202663$31.4M7.33%0.25%0.54%44.8%
Q4 202559$30.5M7.41%0.73%0.55%46.8%
Q3 202563$30.3M7.31%0.35%0.71%49.2%
Q2 202559$30.9M6.95%0.43%0.36%43.9%
Q1 202559$30.6M6.92%0.34%0.33%43.6%
Q4 202456$30.0M6.99%0.68%0.36%45.9%
Q3 202461$30.1M6.84%0.10%0.24%47.0%
Q2 202457$31.1M6.47%0.22%0.10%40.3%

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 ratio7.68%
3rd
Problem loans0.24%
71st
Net charge-offs0.05%
62nd
Return on assets0.51%
43rd
Loans to deposits49.2%
65th
Uninsured deposits4.8%
22nd
Loan-loss reserves0.00%
37th
Texas ratio1.4%
59th

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Deposit insurance

Is my money safe at Gates Chili Federal Credit Union?

Yes. Gates Chili Federal Credit Union is a federally insured credit union (NCUA charter #16236). 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 4.8% of shares and deposits ($1.4M) 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 7.68%, slightly 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

Gates Chili Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Gates Chili Federal Credit Union
Type
Federal credit union
NCUA charter #
16236
RSSD ID
953786
Primary regulator
NCUA
Established
1964
Headquarters
2870 Buffalo Rd, Rochester, NY 14624
Employees
8

Quick answers

Gates Chili Federal Credit Union: common questions

Is Gates Chili Federal Credit Union NCUA insured?

Yes. Gates Chili Federal Credit Union is a federally insured credit union (NCUA charter #16236). 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 Gates Chili Federal Credit Union's TellerScore?

64 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 Gates Chili Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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