TellerScore

Jamestown Area Community Federal Credit Union (NCUA charter #3551) is based in Jamestown, New York. Its Q2 2026 call report shows $85.5M in total assets and $76.0M in member shares and deposits and 6 offices.

Based on its Q2 2026 filing, Jamestown Area Community Federal Credit Union scores 84/100, which we describe as strong. That is higher than 75% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 52nd. Its strongest component is problem-loan coverage (100/100; 0.1%), and its lowest is capital cushion (60/100; 10.98%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 10.98%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.02%
Earnings83/100
Return on assets (annualized): 1.58%
Funding & liquidity96/100
Loans ÷ shares: 64.7% · 0.9% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.09%

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 6 points (78 → 84), mostly because the capital cushion component improved by 13 points.

TellerScore
707784Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202471
Q4 202472
Q1 202576
Q2 202578
Q3 202582
Q4 202583
Q1 202684
Q2 202684
Net worth ratio
7.00%8.99%10.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.64%
Q3 20249.03%
Q4 20249.25%
Q1 20259.59%
Q2 20259.67%
Q3 202510.19%
Q4 202510.55%
Q1 202610.89%
Q2 202610.98%
Delinquent loans (60+ days)
0.00%0.11%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.05%
Q4 20240.22%
Q1 20250.12%
Q2 20250.09%
Q3 20250.00%
Q4 20250.02%
Q1 20260.02%
Q2 20260.02%
Return on assets
0.74%1.22%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.74%
Q3 20240.86%
Q4 20240.94%
Q1 20251.34%
Q2 20251.45%
Q3 20251.62%
Q4 20251.64%
Q1 20261.70%
Q2 20261.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$85.5M10.98%0.02%1.58%64.7%
Q1 202684$83.2M10.89%0.02%1.70%66.1%
Q4 202583$82.5M10.55%0.02%1.64%64.7%
Q3 202582$81.9M10.19%0.00%1.62%66.1%
Q2 202578$82.2M9.67%0.09%1.45%65.7%
Q1 202576$79.5M9.59%0.12%1.34%67.6%
Q4 202472$79.5M9.25%0.22%0.94%65.0%
Q3 202471$78.7M9.03%0.05%0.86%65.5%
Q2 202470$79.9M8.64%0.00%0.74%64.7%

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 ratio10.98%
24th
Problem loans0.02%
86th
Net charge-offs0.19%
49th
Return on assets1.58%
87th
Loans to deposits64.7%
41st
Uninsured deposits0.9%
55th
Loan-loss reserves0.00%
37th
Texas ratio0.1%
85th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Lower East Side People'S Federal Credit UnionCredit union New York, NY50 out of 100, Below average$84.8M21.4%4.45%vs
Great Meadow Federal Credit UnionCredit union Hudson Falls, NY70 out of 100, Strong$84.1M10.4%0.58%vs
Triboro Postal Federal Credit UnionCredit union Flushing, NY54 out of 100, Below average$83.9M20.2%6.65%vs
Radius Federal Credit UnionCredit union Kenmore, NY70 out of 100, Strong$87.2M15.8%2.50%vs
Adirondack Regional Federal Credit UnionCredit union Tupper Lake, NY48 out of 100, Below average$88.3M9.5%2.14%vs
Eastern Operating Engineers Federal Credit UnionCredit union Whitestone, NY60 out of 100, Moderate$88.6M9.8%0.32%vs

Deposit insurance

Is my money safe at Jamestown Area Community Federal Credit Union?

Yes. Jamestown Area Community Federal Credit Union is a federally insured credit union (NCUA charter #3551). 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 0.9% of shares and deposits ($694K) 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 10.98%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Jamestown Area Community Federal Credit Union lists 6 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Jamestown Area Community Federal Credit Union
Type
Federal credit union
NCUA charter #
3551
RSSD ID
369574
Primary regulator
NCUA
Established
1940
Headquarters
915 E 2nd St, Jamestown, NY 14701
Employees
23

Quick answers

Jamestown Area Community Federal Credit Union: common questions

Is Jamestown Area Community Federal Credit Union NCUA insured?

Yes. Jamestown Area Community Federal Credit Union is a federally insured credit union (NCUA charter #3551). 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 Jamestown Area Community Federal Credit Union's TellerScore?

84 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 Jamestown Area Community Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Lake Shore BankBank Dunkirk, NY86 out of 100, Very strong$735.9M17.4%0.25%vs
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Southern Chautauqua Federal Credit UnionCredit union Lakewood, NY78 out of 100, Strong$163.1M17.6%1.61%vs
Greater Chautauqua Federal Credit UnionCredit union Falconer, NY73 out of 100, Strong$102.3M11.4%0.88%vs