TellerScore

I Am Federal Credit Union is a federal credit union headquartered in New York, New York, in business for about 86 years. At the end of Q2 2026 it reported $103.2M in total assets and $93.0M in member shares and deposits, with 1 office.

I Am Federal Credit Union has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 241st. Funding & liquidity contributes the most (100/100, 38% loans-to-deposits, 1% uninsured); loan quality contributes the least (0/100, 4.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.76%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.37%
Earnings38/100
Return on assets (annualized): 0.44%
Funding & liquidity100/100
Loans ÷ shares: 38.4% · 0.6% uninsured
Problem-loan coverage74/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 12.86%

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 10 points (60 → 50), mostly because the earnings component weakened by 41 points.

TellerScore
495765Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202453
Q4 202453
Q1 202565
Q2 202560
Q3 202557
Q4 202553
Q1 202649
Q2 202650
Net worth ratio
7.00%9.67%12.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.83%
Q3 202412.06%
Q4 202412.20%
Q1 202512.34%
Q2 202512.29%
Q3 202512.31%
Q4 202511.84%
Q1 202611.70%
Q2 202611.76%
Delinquent loans (60+ days)
2.78%3.97%5.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.78%
Q3 20243.59%
Q4 20243.61%
Q1 20253.30%
Q2 20254.54%
Q3 20255.09%
Q4 20255.16%
Q1 20263.12%
Q2 20264.37%
Return on assets
0.28%1.32%2.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.60%
Q4 20240.60%
Q1 20252.36%
Q2 20251.48%
Q3 20251.17%
Q4 20250.87%
Q1 20260.28%
Q2 20260.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$103.2M11.76%4.37%0.44%38.4%
Q1 202649$102.4M11.70%3.12%0.28%39.1%
Q4 202553$100.6M11.84%5.16%0.87%40.5%
Q3 202557$97.3M12.31%5.09%1.17%42.5%
Q2 202560$96.3M12.29%4.54%1.48%43.2%
Q1 202565$94.7M12.34%3.30%2.36%43.6%
Q4 202453$91.2M12.20%3.61%0.60%44.4%
Q3 202453$91.9M12.06%3.59%0.60%43.4%
Q2 202452$91.3M11.83%2.78%0.30%41.7%

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 ratio11.76%
55th
Problem loans4.37%
1st
Net charge-offs3.15%
0th
Return on assets0.44%
26th
Loans to deposits38.4%
97th
Uninsured deposits0.6%
96th
Loan-loss reserves0.00%
50th
Texas ratio12.9%
8th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Greater Chautauqua Federal Credit UnionCredit union Falconer, NY73 out of 100, Strong$102.3M11.4%0.88%vs
Compass Federal Credit UnionCredit union Oswego, NY89 out of 100, Very strong$101.5M15.3%0.46%vs
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 I Am Federal Credit Union?

Yes. I Am Federal Credit Union is a federally insured credit union (NCUA charter #24670). 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 0.6% of shares and deposits ($595K) 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 11.76%, 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

I Am Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
I Am Federal Credit Union
Type
Federal credit union
NCUA charter #
24670
RSSD ID
725291
Primary regulator
NCUA
Established
1940
Headquarters
498 Fashion Ave Fl 2, New York, NY 10018
Employees
16

Quick answers

I Am Federal Credit Union: common questions

Is I Am Federal Credit Union NCUA insured?

Yes. I Am Federal Credit Union is a federally insured credit union (NCUA charter #24670). 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 I Am Federal Credit Union's TellerScore?

50 out of 100 (Below average), 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 I Am Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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