TellerScore

Le Roy Federal Credit Union is a federal credit union headquartered in Le Roy, New York, in business for about 68 years. At the end of Q2 2026 it reported $21.1M in total assets and $18.6M in member shares and deposits, with 3 offices.

Le Roy Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 80% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 44th. Funding & liquidity contributes the most (100/100, 32% loans-to-deposits, 1% uninsured); capital cushion contributes the least (64/100, 11.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Net worth ratio: 11.44%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.37%
Earnings99/100
Return on assets (annualized): 1.97%
Funding & liquidity100/100
Loans ÷ shares: 32.4% · 1.4% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.93%

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 22 points (64 → 86), mostly because the loan quality component improved by 65 points.

TellerScore
597386Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202463
Q4 202460
Q1 202565
Q2 202564
Q3 202568
Q4 202566
Q1 202669
Q2 202686
Net worth ratio
7.00%9.22%11.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.57%
Q3 20249.29%
Q4 20249.47%
Q1 20259.72%
Q2 202510.24%
Q3 202510.75%
Q4 202510.58%
Q1 202610.71%
Q2 202611.44%
Delinquent loans (60+ days)
0.37%1.37%2.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.17%
Q3 20242.08%
Q4 20242.37%
Q1 20251.89%
Q2 20252.32%
Q3 20252.15%
Q4 20252.03%
Q1 20262.01%
Q2 20260.37%
Return on assets
1.71%1.86%2.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.74%
Q3 20241.88%
Q4 20241.84%
Q1 20251.76%
Q2 20251.95%
Q3 20251.97%
Q4 20251.71%
Q1 20262.01%
Q2 20261.97%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$21.1M11.44%0.37%1.97%32.4%
Q1 202669$21.6M10.71%2.01%2.01%34.1%
Q4 202566$20.8M10.58%2.03%1.71%36.9%
Q3 202568$20.1M10.75%2.15%1.97%40.4%
Q2 202564$20.1M10.24%2.32%1.95%39.5%
Q1 202565$20.0M9.72%1.89%1.76%40.8%
Q4 202460$19.6M9.47%2.37%1.84%41.5%
Q3 202463$19.2M9.29%2.08%1.88%42.3%
Q2 202459$19.6M8.57%2.17%1.74%41.6%

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 ratio11.44%
27th
Problem loans0.37%
65th
Net charge-offs0.86%
17th
Return on assets1.97%
94th
Loans to deposits32.4%
86th
Uninsured deposits1.4%
50th
Loan-loss reserves0.00%
37th
Texas ratio0.9%
67th

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Deposit insurance

Is my money safe at Le Roy Federal Credit Union?

Yes. Le Roy Federal Credit Union is a federally insured credit union (NCUA charter #12170). 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 1.4% of shares and deposits ($266K) 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 11.44%, 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

Le Roy Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Le Roy Federal Credit Union
Type
Federal credit union
NCUA charter #
12170
RSSD ID
295589
Primary regulator
NCUA
Established
1958
Headquarters
7093 W Main Rd, Le Roy, NY 14482
Employees
5

Quick answers

Le Roy Federal Credit Union: common questions

Is Le Roy Federal Credit Union NCUA insured?

Yes. Le Roy Federal Credit Union is a federally insured credit union (NCUA charter #12170). 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 Le Roy Federal Credit Union's TellerScore?

86 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 Le Roy Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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Westside Community Federal Credit UnionCredit union Churchville, NY84 out of 100, Strong$25.7M11.0%0.00%vs
Greece Community Federal Credit UnionCredit union Rochester, NY83 out of 100, Strong$13.0M12.3%0.05%vs