TellerScore

Headquartered in Orchard Park, New York, Local 41 I.B.E.W. Federal Credit Union is a federal credit union with $19.4M in total assets and $17.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1976.

Local 41 I.B.E.W. Federal Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 85% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 35th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (74/100, 12.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.41%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings78/100
Return on assets (annualized): 1.45%
Funding & liquidity100/100
Loans ÷ shares: 58.6% · 1.3% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 (89 → 88).

TellerScore
868991Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202488
Q4 202490
Q1 202591
Q2 202589
Q3 202590
Q4 202589
Q1 202691
Q2 202688
Net worth ratio
7.00%9.89%12.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.54%
Q3 202410.90%
Q4 202411.88%
Q1 202512.31%
Q2 202512.50%
Q3 202512.72%
Q4 202512.61%
Q1 202612.78%
Q2 202612.41%
Delinquent loans (60+ days)
0.00%0.04%0.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.09%
Q1 20250.08%
Q2 20250.02%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.45%1.87%2.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.11%
Q3 20242.23%
Q4 20242.27%
Q1 20252.29%
Q2 20251.59%
Q3 20251.68%
Q4 20251.56%
Q1 20261.75%
Q2 20261.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$19.4M12.41%0.00%1.45%58.6%
Q1 202691$18.3M12.78%0.00%1.75%61.9%
Q4 202589$17.9M12.61%0.00%1.56%62.3%
Q3 202590$17.3M12.72%0.00%1.68%66.6%
Q2 202589$17.0M12.50%0.02%1.59%63.3%
Q1 202591$17.0M12.31%0.08%2.29%60.8%
Q4 202490$16.8M11.88%0.09%2.27%61.5%
Q3 202488$17.5M10.90%0.00%2.23%59.8%
Q2 202486$17.0M10.54%0.00%2.11%62.5%

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 ratio12.41%
35th
Problem loans0.00%
94th
Net charge-offs-0.05%
92nd
Return on assets1.45%
84th
Loans to deposits58.6%
50th
Uninsured deposits1.3%
51st
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

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Deposit insurance

Is my money safe at Local 41 I.B.E.W. Federal Credit Union?

Yes. Local 41 I.B.E.W. Federal Credit Union is a federally insured credit union (NCUA charter #22447). 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 1.3% of shares and deposits ($213K) 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 12.41%, 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

Local 41 I.B.E.W. Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Local 41 I.B.E.W. Federal Credit Union
Type
Federal credit union
NCUA charter #
22447
RSSD ID
600286
Primary regulator
NCUA
Established
1976
Headquarters
3564 California Road, Orchard Park, NY 14127
Employees
5

Quick answers

Local 41 I.B.E.W. Federal Credit Union: common questions

Is Local 41 I.B.E.W. Federal Credit Union NCUA insured?

Yes. Local 41 I.B.E.W. Federal Credit Union is a federally insured credit union (NCUA charter #22447). 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 Local 41 I.B.E.W. Federal Credit Union's TellerScore?

88 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 Local 41 I.B.E.W. Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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