TellerScore

Linton Federal Credit Union is a federal credit union headquartered in Tonawanda, New York, in business for about 72 years. At the end of Q2 2026 it reported $8.2M in total assets and $6.4M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Linton Federal Credit Union scores 86/100, which we describe as very strong. That is higher than 80% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 46th. Its strongest component is capital cushion (100/100; 20.85%), and its lowest is earnings (51/100; 0.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.85%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.44%
Earnings51/100
Return on assets (annualized): 0.76%
Funding & liquidity98/100
Loans ÷ shares: 62.4% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.98%

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 4 points (90 → 86), mostly because the earnings component weakened by 15 points.

TellerScore
868992Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202489
Q4 202491
Q1 202590
Q2 202590
Q3 202591
Q4 202592
Q1 202690
Q2 202686
Net worth ratio
7.00%14.84%22.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202422.27%
Q3 202421.82%
Q4 202422.68%
Q1 202522.05%
Q2 202521.83%
Q3 202522.62%
Q4 202522.06%
Q1 202620.72%
Q2 202620.85%
Delinquent loans (60+ days)
0.00%0.22%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.06%
Q3 20240.41%
Q4 20240.24%
Q1 20250.20%
Q2 20250.18%
Q3 20250.15%
Q4 20250.08%
Q1 20260.00%
Q2 20260.44%
Return on assets
0.75%1.11%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.43%
Q3 20241.47%
Q4 20241.40%
Q1 20251.15%
Q2 20251.14%
Q3 20251.25%
Q4 20251.22%
Q1 20260.75%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$8.2M20.85%0.44%0.76%62.4%
Q1 202690$8.2M20.72%0.00%0.75%55.8%
Q4 202592$7.6M22.06%0.08%1.22%65.5%
Q3 202591$7.3M22.62%0.15%1.25%72.9%
Q2 202590$7.5M21.83%0.18%1.14%71.0%
Q1 202590$7.3M22.05%0.20%1.15%68.1%
Q4 202491$7.0M22.68%0.24%1.40%73.6%
Q3 202489$7.2M21.82%0.41%1.47%77.8%
Q2 202492$6.9M22.27%0.06%1.43%78.8%

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 ratio20.85%
80th
Problem loans0.44%
61st
Net charge-offs-0.01%
87th
Return on assets0.76%
56th
Loans to deposits62.4%
45th
Uninsured deposits0.0%
81st
Loan-loss reserves1.68%
88th
Texas ratio1.0%
66th

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Deposit insurance

Is my money safe at Linton Federal Credit Union?

Yes. Linton Federal Credit Union is a federally insured credit union (NCUA charter #9676). 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 20.85%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Linton Federal Credit Union
Type
Federal credit union
NCUA charter #
9676
RSSD ID
1013584
Primary regulator
NCUA
Established
1954
Headquarters
C/O Praxair Inc, P.O. Box 44, Tonawanda, NY 14150
Employees
3

Quick answers

Linton Federal Credit Union: common questions

Is Linton Federal Credit Union NCUA insured?

Yes. Linton Federal Credit Union is a federally insured credit union (NCUA charter #9676). 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 Linton 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 Linton Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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