TellerScore

Kaleida Health Federal Credit Union is a federal credit union headquartered in Buffalo, New York, in business for about 51 years. At the end of Q2 2026 it reported $19.8M in total assets and $16.2M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Kaleida Health Federal Credit Union scores 90/100, which we describe as very strong. That is higher than 89% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 25th. Its strongest component is capital cushion (100/100; 17.69%), and its lowest is earnings (66/100; 1.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.69%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.10%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity86/100
Loans ÷ shares: 74.1% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.35%

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 5 points (95 → 90), mostly because the earnings component weakened by 24 points.

TellerScore
889296Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202494
Q4 202495
Q1 202595
Q2 202595
Q3 202596
Q4 202596
Q1 202688
Q2 202690
Net worth ratio
7.00%12.35%17.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.57%
Q3 202414.96%
Q4 202416.23%
Q1 202515.85%
Q2 202516.26%
Q3 202516.33%
Q4 202516.84%
Q1 202616.74%
Q2 202617.69%
Delinquent loans (60+ days)
0.00%0.07%0.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.13%
Q4 20250.13%
Q1 20260.00%
Q2 20260.10%
Return on assets
0.69%1.27%1.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.58%
Q3 20241.67%
Q4 20241.84%
Q1 20251.75%
Q2 20251.76%
Q3 20251.85%
Q4 20251.85%
Q1 20260.69%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$19.8M17.69%0.10%1.16%74.1%
Q1 202688$20.4M16.74%0.00%0.69%70.4%
Q4 202596$20.1M16.84%0.13%1.85%72.7%
Q3 202596$20.2M16.33%0.13%1.85%74.6%
Q2 202595$19.6M16.26%0.00%1.76%79.0%
Q1 202595$19.6M15.85%0.00%1.75%79.6%
Q4 202495$18.6M16.23%0.00%1.84%85.1%
Q3 202494$19.6M14.96%0.00%1.67%81.9%
Q2 202492$19.5M14.57%0.00%1.58%79.8%

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 ratio17.69%
68th
Problem loans0.10%
80th
Net charge-offs-0.09%
93rd
Return on assets1.16%
74th
Loans to deposits74.1%
27th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.3%
78th

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Deposit insurance

Is my money safe at Kaleida Health Federal Credit Union?

Yes. Kaleida Health Federal Credit Union is a federally insured credit union (NCUA charter #22220). 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 0.0% of shares and deposits ($0) 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 17.69%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Kaleida Health Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Kaleida Health Federal Credit Union
Type
Federal credit union
NCUA charter #
22220
RSSD ID
787383
Primary regulator
NCUA
Established
1975
Headquarters
100 High St, Buffalo, NY 14203
Employees
6

Quick answers

Kaleida Health Federal Credit Union: common questions

Is Kaleida Health Federal Credit Union NCUA insured?

Yes. Kaleida Health Federal Credit Union is a federally insured credit union (NCUA charter #22220). 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 Kaleida Health Federal Credit Union's TellerScore?

90 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 Kaleida Health Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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