TellerScore

Inner Lakes Federal Credit Union (NCUA charter #7717) is based in Westfield, New York. Its Q2 2026 call report shows $165.9M in total assets and $155.5M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Inner Lakes Federal Credit Union scores 70/100, which we describe as strong. That is higher than 51% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 137th. Its strongest component is funding & liquidity (100/100; 34% loans-to-deposits, 2% uninsured), and its lowest is capital cushion (48/100; 9.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.84%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.57%
Earnings56/100
Return on assets (annualized): 0.89%
Funding & liquidity100/100
Loans ÷ shares: 33.9% · 2.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.85%

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 4 points (66 → 70), mostly because the loan quality component improved by 15 points.

TellerScore
576470Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202466
Q4 202462
Q1 202567
Q2 202566
Q3 202557
Q4 202570
Q1 202670
Q2 202670
Net worth ratio
7.00%8.43%9.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.78%
Q3 20249.87%
Q4 20249.83%
Q1 20259.77%
Q2 20259.74%
Q3 20259.84%
Q4 20259.78%
Q1 20269.82%
Q2 20269.84%
Delinquent loans (60+ days)
0.44%1.20%1.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.02%
Q3 20241.21%
Q4 20241.48%
Q1 20251.06%
Q2 20251.02%
Q3 20251.96%
Q4 20250.44%
Q1 20260.57%
Q2 20260.57%
Return on assets
0.71%0.89%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.93%
Q3 20240.98%
Q4 20240.91%
Q1 20251.07%
Q2 20250.86%
Q3 20250.76%
Q4 20250.71%
Q1 20260.81%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$165.9M9.84%0.57%0.89%33.9%
Q1 202670$162.1M9.82%0.57%0.81%35.4%
Q4 202570$159.3M9.78%0.44%0.71%36.0%
Q3 202557$156.9M9.84%1.96%0.76%36.8%
Q2 202566$156.4M9.74%1.02%0.86%36.1%
Q1 202567$153.1M9.77%1.06%1.07%36.9%
Q4 202462$148.0M9.83%1.48%0.91%39.3%
Q3 202466$145.7M9.87%1.21%0.98%41.3%
Q2 202467$142.9M9.78%1.02%0.93%41.8%

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 ratio9.84%
26th
Problem loans0.57%
58th
Net charge-offs0.56%
30th
Return on assets0.89%
60th
Loans to deposits33.9%
98th
Uninsured deposits2.0%
91st
Loan-loss reserves0.00%
50th
Texas ratio1.9%
78th

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InstitutionScoreAssetsCapitalProblem loansCompare
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Southern Chautauqua Federal Credit UnionCredit union Lakewood, NY78 out of 100, Strong$163.1M17.6%1.61%vs
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Tonawanda Valley Federal Credit UnionCredit union Batavia, NY82 out of 100, Strong$170.7M11.1%0.19%vs
Genesee Valley Federal Credit UnionCredit union Geneseo, NY98 out of 100, Very strong$175.9M16.6%0.19%vs
Ukrainian National Federal Credit UnionCredit union New York, NY54 out of 100, Below average$155.1M12.8%2.16%vs

Deposit insurance

Is my money safe at Inner Lakes Federal Credit Union?

Yes. Inner Lakes Federal Credit Union is a federally insured credit union (NCUA charter #7717). 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 2.0% of shares and deposits ($3.1M) 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 9.84%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Inner Lakes Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Fredonia, NY (1)
  • Westfield, NY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Inner Lakes Federal Credit Union
Type
Federal credit union
NCUA charter #
7717
RSSD ID
64981
Primary regulator
NCUA
Established
1952
Headquarters
19-21 E Main St, Westfield, NY 14787
Employees
27

Quick answers

Inner Lakes Federal Credit Union: common questions

Is Inner Lakes Federal Credit Union NCUA insured?

Yes. Inner Lakes Federal Credit Union is a federally insured credit union (NCUA charter #7717). 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 Inner Lakes Federal Credit Union's TellerScore?

70 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 Inner Lakes Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Westfield

InstitutionScoreAssetsCapitalProblem loansCompare
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
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
North East Welch Federal Credit UnionCredit union North East, PA82 out of 100, Strong$26.0M16.8%1.37%vs
Southern Chautauqua Federal Credit UnionCredit union Lakewood, NY78 out of 100, Strong$163.1M17.6%1.61%vs