TellerScore

Headquartered in Olean, New York, High Point Federal Credit Union is a federal credit union with $430.1M in total assets and $371.9M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1972.

Based on its Q2 2026 filing, High Point Federal Credit Union scores 87/100, which we describe as very strong. That is higher than 91% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 38th. Its strongest component is funding & liquidity (98/100; 63% loans-to-deposits, 7% uninsured), and its lowest is earnings (76/100; 1.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Net worth ratio: 14.30%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.67%
Earnings76/100
Return on assets (annualized): 1.39%
Funding & liquidity98/100
Loans ÷ shares: 62.7% · 7.2% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.59%

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 9 points (78 → 87), mostly because the earnings component improved by 43 points.

TellerScore
758390Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202479
Q4 202475
Q1 202576
Q2 202578
Q3 202580
Q4 202579
Q1 202690
Q2 202687
Net worth ratio
7.00%10.65%14.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.15%
Q3 202414.17%
Q4 202414.19%
Q1 202514.08%
Q2 202514.02%
Q3 202514.15%
Q4 202514.11%
Q1 202614.04%
Q2 202614.30%
Delinquent loans (60+ days)
0.53%0.78%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.55%
Q3 20240.59%
Q4 20241.02%
Q1 20250.89%
Q2 20250.60%
Q3 20250.53%
Q4 20250.63%
Q1 20260.81%
Q2 20260.67%
Return on assets
0.34%1.28%2.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.37%
Q3 20240.36%
Q4 20240.37%
Q1 20250.36%
Q2 20250.34%
Q3 20250.34%
Q4 20250.37%
Q1 20262.21%
Q2 20261.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$430.1M14.30%0.67%1.39%62.7%
Q1 202690$433.8M14.04%0.81%2.21%60.8%
Q4 202579$414.7M14.11%0.63%0.37%60.1%
Q3 202580$410.1M14.15%0.53%0.34%59.5%
Q2 202578$411.5M14.02%0.60%0.34%57.0%
Q1 202576$407.3M14.08%0.89%0.36%53.6%
Q4 202475$401.8M14.19%1.02%0.37%54.2%
Q3 202479$399.4M14.17%0.59%0.36%54.1%
Q2 202480$397.4M14.15%0.55%0.37%53.1%

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 ratio14.30%
81st
Problem loans0.67%
51st
Net charge-offs0.16%
77th
Return on assets1.39%
85th
Loans to deposits62.7%
74th
Uninsured deposits7.2%
38th
Loan-loss reserves0.00%
50th
Texas ratio2.6%
67th

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Deposit insurance

Is my money safe at High Point Federal Credit Union?

Yes. High Point Federal Credit Union is a federally insured credit union (NCUA charter #21083). 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 7.2% of shares and deposits ($26.7M) 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 14.30%, well 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

High Point Federal Credit Union lists 4 offices in 3 cities. Most locations:

  • Olean, NY (2)
  • Little Valley, NY (1)
  • Portville, NY (1)

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
VISA Platinum11.50% – 17.99%$0$201.0%

All High Point Federal Credit Union card terms

Identity & history

Profile

Legal name
High Point Federal Credit Union
Type
Federal credit union
NCUA charter #
21083
RSSD ID
152589
Primary regulator
NCUA
Established
1972
Headquarters
234 Homer St, Olean, NY 14760
Employees
92

Quick answers

High Point Federal Credit Union: common questions

Is High Point Federal Credit Union NCUA insured?

Yes. High Point Federal Credit Union is a federally insured credit union (NCUA charter #21083). 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 High Point Federal Credit Union's TellerScore?

87 out of 100 (Very 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 High Point Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Olean

InstitutionScoreAssetsCapitalProblem loansCompare
Mountain Laurel Federal Credit UnionCredit union Saint Marys, PA99 out of 100, Very strong$174.2M19.7%0.08%vs
Bradford Area School Employees Federal Credit UnionCredit union Bradford, PA90 out of 100, Very strong$1.1M22.9%0.12%vs
Hamlin Bank and Trust CompanyBank Smethport, PA89 out of 100, Very strong$503.4M20.0%0.96%vs
Alco Federal Credit UnionCredit union Wellsville, NY83 out of 100, Strong$61.5M13.7%0.95%vs
C C S E Federal Credit UnionCredit union Salamanca, NY78 out of 100, Strong$61.1M10.9%0.37%vs
Bradford Area Federal Credit UnionCredit union Bradford, PA78 out of 100, Strong$11.4M13.7%0.30%vs