TellerScore

Leatherstocking Region Federal Credit Union (NCUA charter #22625) is based in Cooperstown, New York. Its Q2 2026 call report shows $107.7M in total assets and $94.6M in member shares and deposits and 1 office.

Leatherstocking Region Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 83rd. Funding & liquidity contributes the most (93/100, 68% loans-to-deposits, 2% uninsured); capital cushion contributes the least (71/100, 12.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Net worth ratio: 12.06%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.68%
Earnings72/100
Return on assets (annualized): 1.31%
Funding & liquidity93/100
Loans ÷ shares: 67.5% · 1.6% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.36%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 78).

TellerScore
727680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202477
Q4 202472
Q1 202573
Q2 202577
Q3 202576
Q4 202576
Q1 202675
Q2 202678
Net worth ratio
7.00%9.74%12.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.39%
Q3 202412.48%
Q4 202412.21%
Q1 202512.04%
Q2 202512.18%
Q3 202512.21%
Q4 202512.12%
Q1 202611.68%
Q2 202612.06%
Delinquent loans (60+ days)
0.68%1.12%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.95%
Q3 20241.22%
Q4 20241.57%
Q1 20251.26%
Q2 20251.05%
Q3 20251.17%
Q4 20250.99%
Q1 20260.75%
Q2 20260.68%
Return on assets
1.07%1.48%1.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.89%
Q3 20241.80%
Q4 20241.59%
Q1 20251.33%
Q2 20251.63%
Q3 20251.60%
Q4 20251.44%
Q1 20261.07%
Q2 20261.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$107.7M12.06%0.68%1.31%67.5%
Q1 202675$107.5M11.68%0.75%1.07%66.1%
Q4 202576$101.3M12.12%0.99%1.44%70.7%
Q3 202576$99.0M12.21%1.17%1.60%73.4%
Q2 202577$96.0M12.18%1.05%1.63%73.4%
Q1 202573$93.2M12.04%1.26%1.33%68.7%
Q4 202472$89.4M12.21%1.57%1.59%70.2%
Q3 202477$86.1M12.48%1.22%1.80%74.7%
Q2 202480$83.7M12.39%0.95%1.89%76.7%

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 ratio12.06%
59th
Problem loans0.68%
50th
Net charge-offs0.66%
22nd
Return on assets1.31%
83rd
Loans to deposits67.5%
66th
Uninsured deposits1.6%
92nd
Loan-loss reserves0.00%
50th
Texas ratio3.4%
57th

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InstitutionScoreAssetsCapitalProblem loansCompare
Next Step Federal Credit UnionCredit union Troy, NY63 out of 100, Moderate$107.6M10.1%1.72%vs
Consumers Federal Credit UnionCredit union Brooklyn, NY66 out of 100, Moderate$105.8M11.6%0.07%vs
Port Washington Federal Credit UnionCredit union Port Washington, NY61 out of 100, Moderate$109.9M15.3%4.28%vs
American Broadcast Employees Federal Credit UnionCredit union Rockville Centr, NY76 out of 100, Strong$111.5M14.9%1.20%vs
Trunorthern Federal Credit UnionCredit union Malone, NY76 out of 100, Strong$111.7M11.7%0.25%vs
I Am Federal Credit UnionCredit union New York, NY50 out of 100, Below average$103.2M11.8%4.37%vs

Deposit insurance

Is my money safe at Leatherstocking Region Federal Credit Union?

Yes. Leatherstocking Region Federal Credit Union is a federally insured credit union (NCUA charter #22625). 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 1.6% of shares and deposits ($1.5M) 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 12.06%, well 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

Leatherstocking Region Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Leatherstocking Region Federal Credit Union
Type
Federal credit union
NCUA charter #
22625
RSSD ID
429580
Primary regulator
NCUA
Established
1977
Headquarters
24 Glen Avenue, Cooperstown, NY 13326
Employees
16

Quick answers

Leatherstocking Region Federal Credit Union: common questions

Is Leatherstocking Region Federal Credit Union NCUA insured?

Yes. Leatherstocking Region Federal Credit Union is a federally insured credit union (NCUA charter #22625). 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 Leatherstocking Region Federal Credit Union's TellerScore?

78 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 Leatherstocking Region Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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