TellerScore

Kenmore N. Y. Teachers Federal Credit Union (NCUA charter #858) is based in Buffalo, New York. Its Q2 2026 call report shows $69.5M in total assets and $63.7M in member shares and deposits and 1 office.

Kenmore N. Y. Teachers Federal Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 28% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 180th. Funding & liquidity contributes the most (100/100, 40% loans-to-deposits, 2% uninsured); capital cushion contributes the least (44/100, 9.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.39%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.87%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity100/100
Loans ÷ shares: 39.6% · 2.4% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.35%

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 rose 9 points (55 → 64), mostly because the loan quality component improved by 26 points.

TellerScore
475868Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202467
Q4 202461
Q1 202547
Q2 202555
Q3 202563
Q4 202564
Q1 202663
Q2 202664
Net worth ratio
7.00%8.29%9.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.92%
Q3 20249.40%
Q4 20249.54%
Q1 20259.39%
Q2 20259.06%
Q3 20259.46%
Q4 20259.57%
Q1 20269.17%
Q2 20269.39%
Delinquent loans (60+ days)
0.47%1.53%2.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.47%
Q3 20240.67%
Q4 20241.28%
Q1 20252.59%
Q2 20251.66%
Q3 20250.98%
Q4 20250.98%
Q1 20260.78%
Q2 20260.87%
Return on assets
0.41%0.61%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.80%
Q3 20240.78%
Q4 20240.70%
Q1 20250.49%
Q2 20250.46%
Q3 20250.56%
Q4 20250.61%
Q1 20260.41%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$69.5M9.39%0.87%0.63%39.6%
Q1 202663$69.6M9.17%0.78%0.41%40.0%
Q4 202564$65.3M9.57%0.98%0.61%44.0%
Q3 202563$65.0M9.46%0.98%0.56%44.8%
Q2 202555$66.5M9.06%1.66%0.46%43.3%
Q1 202547$63.4M9.39%2.59%0.49%46.1%
Q4 202461$61.6M9.54%1.28%0.70%49.1%
Q3 202467$62.0M9.40%0.67%0.78%49.6%
Q2 202468$64.2M8.92%0.47%0.80%47.7%

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 ratio9.39%
12th
Problem loans0.87%
43rd
Net charge-offs0.08%
59th
Return on assets0.63%
49th
Loans to deposits39.6%
79th
Uninsured deposits2.4%
41st
Loan-loss reserves0.00%
37th
Texas ratio3.4%
40th

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Deposit insurance

Is my money safe at Kenmore N. Y. Teachers Federal Credit Union?

Yes. Kenmore N. Y. Teachers Federal Credit Union is a federally insured credit union (NCUA charter #858). 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 2.4% of shares and deposits ($1.5M) 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 9.39%, 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

Kenmore N. Y. Teachers Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Kenmore N. Y. Teachers Federal Credit Union reported 29 home-loan applications under HMDA (LEI 894500C7FEAC4HQJCK52): 29 originated ($1,985,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Kenmore N. Y. Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
858
RSSD ID
808372
Primary regulator
NCUA
Established
1935
Headquarters
2265 Sheridan Dr, Buffalo, NY 14223
Employees
10

Quick answers

Kenmore N. Y. Teachers Federal Credit Union: common questions

Is Kenmore N. Y. Teachers Federal Credit Union NCUA insured?

Yes. Kenmore N. Y. Teachers Federal Credit Union is a federally insured credit union (NCUA charter #858). 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 Kenmore N. Y. Teachers Federal Credit Union's TellerScore?

64 out of 100 (Moderate), 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 Kenmore N. Y. Teachers Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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