TellerScore

Lower East Side People'S Federal Credit Union (NCUA charter #24232) is based in New York, New York. Its Q2 2026 call report shows $84.8M in total assets and $61.8M in member shares and deposits and 5 offices.

Lower East Side People'S Federal Credit Union has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 242nd. Capital cushion contributes the most (100/100, 21.35%); loan quality contributes the least (0/100, 4.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.35%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.45%
Earnings32/100
Return on assets (annualized): 0.29%
Funding & liquidity64/100
Loans ÷ shares: 96.6% · 3.9% uninsured
Problem-loan coverage41/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 29.47%

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 17 points (67 → 50), mostly because the earnings component weakened by 68 points.

TellerScore
505967Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202451
Q4 202451
Q1 202565
Q2 202567
Q3 202564
Q4 202561
Q1 202655
Q2 202650
Net worth ratio
7.00%14.18%21.35%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.95%
Q3 202419.13%
Q4 202418.96%
Q1 202520.03%
Q2 202520.30%
Q3 202521.07%
Q4 202520.68%
Q1 202620.04%
Q2 202621.35%
Delinquent loans (60+ days)
3.32%6.43%9.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20248.65%
Q3 20248.14%
Q4 20248.96%
Q1 20259.53%
Q2 20255.14%
Q3 20253.61%
Q4 20254.09%
Q1 20263.32%
Q2 20264.45%
Return on assets
0.19%2.34%4.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.19%
Q3 20240.26%
Q4 20240.24%
Q1 20254.50%
Q2 20252.35%
Q3 20251.73%
Q4 20251.37%
Q1 20260.51%
Q2 20260.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$84.8M21.35%4.45%0.29%96.6%
Q1 202655$90.3M20.04%3.32%0.51%84.0%
Q4 202561$87.0M20.68%4.09%1.37%86.9%
Q3 202564$85.9M21.07%3.61%1.73%87.1%
Q2 202567$88.8M20.30%5.14%2.35%82.5%
Q1 202565$89.8M20.03%9.53%4.50%82.6%
Q4 202451$89.6M18.96%8.96%0.24%83.4%
Q3 202451$89.6M19.13%8.14%0.26%85.7%
Q2 202451$90.0M18.95%8.65%0.19%84.3%

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 ratio21.35%
81st
Problem loans4.45%
7th
Net charge-offs0.40%
32nd
Return on assets0.29%
31st
Loans to deposits96.6%
5th
Uninsured deposits3.9%
29th
Loan-loss reserves0.00%
37th
Texas ratio29.5%
2nd

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Deposit insurance

Is my money safe at Lower East Side People'S Federal Credit Union?

Yes. Lower East Side People'S Federal Credit Union is a federally insured credit union (NCUA charter #24232). 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 3.9% of shares and deposits ($2.4M) 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 21.35%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Lower East Side People'S Federal Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lower East Side People'S Federal Credit Union
Type
Federal credit union
NCUA charter #
24232
RSSD ID
176295
Primary regulator
NCUA
Established
1986
Headquarters
37 Avenue B, New York, NY 10009
Employees
29

Quick answers

Lower East Side People'S Federal Credit Union: common questions

Is Lower East Side People'S Federal Credit Union NCUA insured?

Yes. Lower East Side People'S Federal Credit Union is a federally insured credit union (NCUA charter #24232). 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 Lower East Side People'S Federal Credit Union's TellerScore?

50 out of 100 (Below average), 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 Lower East Side People'S Federal Credit Union have?

5 offices as of the latest NCUA data.

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