TellerScore

Local 804 Federal Credit Union is a federal credit union headquartered in Port Washington, New York, in business for about 48 years. At the end of Q2 2026 it reported $22.5M in total assets and $15.6M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Local 804 Federal Credit Union scores 70/100, which we describe as strong. That is higher than only 40% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 141st. Its strongest component is capital cushion (100/100; 30.73%), and its lowest is loan quality (0/100; 3.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 30.73%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.71%
Earnings100/100
Return on assets (annualized): 2.30%
Funding & liquidity74/100
Loans ÷ shares: 86.6% · 0.0% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.24%

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 2 points (68 → 70), mostly because the funding & liquidity component improved by 11 points.

TellerScore
566370Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202461
Q4 202462
Q1 202566
Q2 202568
Q3 202568
Q4 202569
Q1 202668
Q2 202670
Net worth ratio
7.00%19.10%31.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202429.05%
Q3 202430.22%
Q4 202429.99%
Q1 202530.24%
Q2 202530.48%
Q3 202531.20%
Q4 202530.48%
Q1 202631.10%
Q2 202630.73%
Delinquent loans (60+ days)
2.83%3.32%3.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.34%
Q3 20243.18%
Q4 20242.98%
Q1 20252.83%
Q2 20253.57%
Q3 20253.82%
Q4 20253.77%
Q1 20263.58%
Q2 20263.71%
Return on assets
0.42%1.48%2.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.42%
Q3 20241.22%
Q4 20241.19%
Q1 20251.51%
Q2 20252.32%
Q3 20252.55%
Q4 20252.22%
Q1 20261.91%
Q2 20262.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$22.5M30.73%3.71%2.30%86.6%
Q1 202668$21.7M31.10%3.58%1.91%90.3%
Q4 202569$21.8M30.48%3.77%2.22%91.8%
Q3 202568$21.0M31.20%3.82%2.55%98.0%
Q2 202568$21.0M30.48%3.57%2.32%97.7%
Q1 202566$20.6M30.24%2.83%1.51%98.1%
Q4 202462$20.6M29.99%2.98%1.19%98.2%
Q3 202461$20.2M30.22%3.18%1.22%98.9%
Q2 202456$20.5M29.05%3.34%0.42%95.4%

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 ratio30.73%
94th
Problem loans3.71%
10th
Net charge-offs1.31%
10th
Return on assets2.30%
97th
Loans to deposits86.6%
12th
Uninsured deposits0.0%
62nd
Loan-loss reserves0.00%
37th
Texas ratio7.2%
20th

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Deposit insurance

Is my money safe at Local 804 Federal Credit Union?

Yes. Local 804 Federal Credit Union is a federally insured credit union (NCUA charter #23144). 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 ($7K) 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 30.73%, 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 804 Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Local 804 Federal Credit Union
Type
Federal credit union
NCUA charter #
23144
RSSD ID
901983
Primary regulator
NCUA
Established
1978
Headquarters
44 S Bayles Ave Ste 204, Port Washington, NY 11050
Employees
4

Quick answers

Local 804 Federal Credit Union: common questions

Is Local 804 Federal Credit Union NCUA insured?

Yes. Local 804 Federal Credit Union is a federally insured credit union (NCUA charter #23144). 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 804 Federal Credit Union's TellerScore?

70 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 Local 804 Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs