TellerScore

Greater Chautauqua Federal Credit Union is a federal credit union headquartered in Falconer, New York, in business for about 86 years. At the end of Q2 2026 it reported $102.3M in total assets and $90.5M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Greater Chautauqua Federal Credit Union scores 73/100, which we describe as strong. That is higher than 60% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 115th. Its strongest component is funding & liquidity (100/100; 48% loans-to-deposits, 1% uninsured), and its lowest is earnings (60/100; 1.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Net worth ratio: 11.38%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.88%
Earnings60/100
Return on assets (annualized): 1.01%
Funding & liquidity100/100
Loans ÷ shares: 48.3% · 1.4% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.30%

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 2 points (71 → 73), mostly because the loan quality component improved by 10 points.

TellerScore
677073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202467
Q1 202568
Q2 202571
Q3 202573
Q4 202572
Q1 202673
Q2 202673
Net worth ratio
7.00%9.19%11.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.73%
Q3 202410.20%
Q4 202410.34%
Q1 202510.37%
Q2 202510.85%
Q3 202511.17%
Q4 202511.18%
Q1 202611.28%
Q2 202611.38%
Delinquent loans (60+ days)
0.87%1.11%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.08%
Q3 20241.29%
Q4 20241.34%
Q1 20251.19%
Q2 20251.17%
Q3 20251.03%
Q4 20251.05%
Q1 20260.87%
Q2 20260.88%
Return on assets
1.01%1.14%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.09%
Q3 20241.24%
Q4 20241.24%
Q1 20251.11%
Q2 20251.24%
Q3 20251.27%
Q4 20251.17%
Q1 20261.03%
Q2 20261.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$102.3M11.38%0.88%1.01%48.3%
Q1 202673$101.0M11.28%0.87%1.03%48.5%
Q4 202572$99.5M11.18%1.05%1.17%50.5%
Q3 202573$97.5M11.17%1.03%1.27%52.0%
Q2 202571$97.4M10.85%1.17%1.24%51.7%
Q1 202568$98.8M10.37%1.19%1.11%49.8%
Q4 202467$96.4M10.34%1.34%1.24%50.4%
Q3 202468$94.5M10.20%1.29%1.24%50.7%
Q2 202467$95.4M9.73%1.08%1.09%49.1%

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 ratio11.38%
49th
Problem loans0.88%
37th
Net charge-offs0.49%
36th
Return on assets1.01%
67th
Loans to deposits48.3%
91st
Uninsured deposits1.4%
94th
Loan-loss reserves0.00%
50th
Texas ratio3.3%
58th

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InstitutionScoreAssetsCapitalProblem loansCompare
Compass Federal Credit UnionCredit union Oswego, NY89 out of 100, Very strong$101.5M15.3%0.46%vs
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Consumers Federal Credit UnionCredit union Brooklyn, NY66 out of 100, Moderate$105.8M11.6%0.07%vs
Next Step Federal Credit UnionCredit union Troy, NY63 out of 100, Moderate$107.6M10.1%1.72%vs
Leatherstocking Region Federal Credit UnionCredit union Cooperstown, NY78 out of 100, Strong$107.7M12.1%0.68%vs
Port Washington Federal Credit UnionCredit union Port Washington, NY61 out of 100, Moderate$109.9M15.3%4.28%vs

Deposit insurance

Is my money safe at Greater Chautauqua Federal Credit Union?

Yes. Greater Chautauqua Federal Credit Union is a federally insured credit union (NCUA charter #3759). 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 1.4% of shares and deposits ($1.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.38%, 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

Greater Chautauqua Federal Credit Union lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Greater Chautauqua Federal Credit Union
Type
Federal credit union
NCUA charter #
3759
RSSD ID
319672
Primary regulator
NCUA
Established
1940
Headquarters
51 E Main St, Falconer, NY 14733
Employees
32

Quick answers

Greater Chautauqua Federal Credit Union: common questions

Is Greater Chautauqua Federal Credit Union NCUA insured?

Yes. Greater Chautauqua Federal Credit Union is a federally insured credit union (NCUA charter #3759). 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 Greater Chautauqua Federal Credit Union's TellerScore?

73 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 Greater Chautauqua Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Falconer

InstitutionScoreAssetsCapitalProblem loansCompare
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Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Suny Fredonia Federal Credit UnionCredit union Fredonia, NY95 out of 100, Very strong$48.3M18.7%0.63%vs
High Point Federal Credit UnionCredit union Olean, NY87 out of 100, Very strong$430.1M14.3%0.67%vs
Lake Shore BankBank Dunkirk, NY86 out of 100, Very strong$735.9M17.4%0.25%vs
Jamestown Area Community Federal Credit UnionCredit union Jamestown, NY84 out of 100, Strong$85.5M11.0%0.02%vs