TellerScore

Headquartered in New York, New York, Grand Central Terminal Employees Federal Credit Union is a federal credit union with $6.6M in total assets and $5.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1936.

Grand Central Terminal Employees Federal Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 28% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 184th. Funding & liquidity contributes the most (100/100, 21% loans-to-deposits, 0% uninsured); earnings contributes the least (0/100, -0.53%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Net worth ratio: 11.93%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.77%
Earnings0/100
Return on assets (annualized): -0.53%
Funding & liquidity100/100
Loans ÷ shares: 21.0% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.17%

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 4 points (68 → 64), mostly because the loan quality component weakened by 11 points.

TellerScore
646871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202469
Q4 202467
Q1 202571
Q2 202568
Q3 202567
Q4 202564
Q1 202670
Q2 202664
Net worth ratio
7.00%9.96%12.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.45%
Q3 202412.92%
Q4 202412.32%
Q1 202511.85%
Q2 202511.69%
Q3 202512.18%
Q4 202511.72%
Q1 202611.97%
Q2 202611.93%
Delinquent loans (60+ days)
0.43%0.60%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.72%
Q3 20240.53%
Q4 20240.57%
Q1 20250.47%
Q2 20250.46%
Q3 20250.71%
Q4 20250.73%
Q1 20260.43%
Q2 20260.77%
Return on assets
-1.69%-0.82%0.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-1.69%
Q3 2024-1.20%
Q4 2024-1.33%
Q1 20250.05%
Q2 2025-0.22%
Q3 2025-0.36%
Q4 2025-0.78%
Q1 2026-0.14%
Q2 2026-0.53%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$6.6M11.93%0.77%-0.53%21.0%
Q1 202670$6.7M11.97%0.43%-0.14%20.6%
Q4 202564$6.9M11.72%0.73%-0.78%20.7%
Q3 202567$6.9M12.18%0.71%-0.36%22.6%
Q2 202568$7.3M11.69%0.46%-0.22%21.4%
Q1 202571$7.3M11.85%0.47%0.05%21.3%
Q4 202467$7.0M12.32%0.57%-1.33%24.1%
Q3 202469$6.9M12.92%0.53%-1.20%25.2%
Q2 202466$7.2M12.45%0.72%-1.69%25.0%

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 ratio11.93%
31st
Problem loans0.77%
47th
Net charge-offs-0.08%
93rd
Return on assets-0.53%
11th
Loans to deposits21.0%
95th
Uninsured deposits0.0%
81st
Loan-loss reserves0.85%
81st
Texas ratio1.2%
63rd

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Griffith Institute Employees Federal Credit UnionCredit union Springville, NY64 out of 100, Moderate$6.5M9.0%0.56%vs
Concord Federal Credit UnionCredit union Brooklyn, NY68 out of 100, Moderate$6.9M11.1%0.00%vs
Crouse Hinds Employees Federal Credit UnionCredit union Syracuse, NY84 out of 100, Strong$6.9M12.1%0.13%vs
Utica Police Department Federal Credit UnionCredit union Utica, NY52 out of 100, Below average$6.3M27.6%4.55%vs
Generations United Federal Credit UnionCredit union New York, NY65 out of 100, Moderate$7.0M44.4%0.83%vs
Transit Authority Division B Federal Credit UnionCredit union New York, NY60 out of 100, Moderate$6.1M14.1%6.97%vs

Deposit insurance

Is my money safe at Grand Central Terminal Employees Federal Credit Union?

Yes. Grand Central Terminal Employees Federal Credit Union is a federally insured credit union (NCUA charter #1059). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.93%, 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

Grand Central Terminal Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Grand Central Terminal Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
1059
RSSD ID
156475
Primary regulator
NCUA
Established
1936
Headquarters
15 Vanderbilt Ave Ste D41, New York, NY 10017
Employees
2

Quick answers

Grand Central Terminal Employees Federal Credit Union: common questions

Is Grand Central Terminal Employees Federal Credit Union NCUA insured?

Yes. Grand Central Terminal Employees Federal Credit Union is a federally insured credit union (NCUA charter #1059). 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 Grand Central Terminal Employees 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 Grand Central Terminal Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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