TellerScore

Headquartered in Lockport, New York, Lockport Schools & Community Federal Credit Union is a federal credit union with $25.9M in total assets and $23.6M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1966.

Based on its Q2 2026 filing, Lockport Schools & Community Federal Credit Union scores 73/100, which we describe as strong. That is higher than only 47% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 117th. Its strongest component is funding & liquidity (98/100; 63% loans-to-deposits, 7% uninsured), and its lowest is capital cushion (41/100; 9.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.10%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings74/100
Return on assets (annualized): 1.35%
Funding & liquidity98/100
Loans ÷ shares: 62.7% · 6.9% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.46%

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 9 points (64 → 73), mostly because the earnings component improved by 18 points.

TellerScore
526374Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202454
Q4 202454
Q1 202564
Q2 202564
Q3 202568
Q4 202564
Q1 202674
Q2 202673
Net worth ratio
7.00%8.05%9.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.29%
Q3 20247.83%
Q4 20248.12%
Q1 20258.28%
Q2 20258.38%
Q3 20259.00%
Q4 20258.32%
Q1 20268.59%
Q2 20269.10%
Delinquent loans (60+ days)
0.02%0.61%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.20%
Q3 20241.17%
Q4 20241.18%
Q1 20250.58%
Q2 20250.67%
Q3 20250.38%
Q4 20250.61%
Q1 20260.02%
Q2 20260.39%
Return on assets
0.46%0.91%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.53%
Q4 20240.54%
Q1 20250.89%
Q2 20250.91%
Q3 20250.94%
Q4 20250.79%
Q1 20261.26%
Q2 20261.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$25.9M9.10%0.39%1.35%62.7%
Q1 202674$26.4M8.59%0.02%1.26%62.5%
Q4 202564$26.3M8.32%0.61%0.79%64.0%
Q3 202568$24.0M9.00%0.38%0.94%73.2%
Q2 202564$25.1M8.38%0.67%0.91%68.9%
Q1 202564$24.7M8.28%0.58%0.89%69.6%
Q4 202454$24.5M8.12%1.18%0.54%71.5%
Q3 202454$25.1M7.83%1.17%0.53%69.1%
Q2 202452$26.5M7.29%1.20%0.46%65.4%

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 ratio9.10%
10th
Problem loans0.39%
64th
Net charge-offs0.20%
48th
Return on assets1.35%
81st
Loans to deposits62.7%
44th
Uninsured deposits6.9%
13th
Loan-loss reserves0.00%
37th
Texas ratio2.5%
47th

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Deposit insurance

Is my money safe at Lockport Schools & Community Federal Credit Union?

Yes. Lockport Schools & Community Federal Credit Union is a federally insured credit union (NCUA charter #17372). 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 6.9% of shares and deposits ($1.6M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.10%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Lockport Schools & Community Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lockport Schools & Community Federal Credit Union
Type
Federal credit union
NCUA charter #
17372
RSSD ID
497187
Primary regulator
NCUA
Established
1966
Headquarters
360 S Transit St, Lockport, NY 14094
Employees
5

Quick answers

Lockport Schools & Community Federal Credit Union: common questions

Is Lockport Schools & Community Federal Credit Union NCUA insured?

Yes. Lockport Schools & Community Federal Credit Union is a federally insured credit union (NCUA charter #17372). 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 Lockport Schools & Community Federal Credit Union's TellerScore?

73 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 Lockport Schools & Community Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
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Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$38.1M17.2%0.00%vs
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Buffalo Conrail Federal Credit UnionCredit union Cheektowaga, NY91 out of 100, Very strong$61.0M22.3%0.17%vs
Kaleida Health Federal Credit UnionCredit union Buffalo, NY90 out of 100, Very strong$19.8M17.7%0.10%vs