TellerScore

Maryvale Schools Federal Credit Union is a federal credit union headquartered in Cheektowaga, New York, in business for about 69 years. At the end of Q2 2026 it reported $10.2M in total assets and $8.1M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Maryvale Schools Federal Credit Union scores 75/100, which we describe as strong. That is higher than 52% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 104th. Its strongest component is capital cushion (100/100; 20.02%), and its lowest is loan quality (29/100; 2.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.02%
Loan quality29/100
Loans 60+ days delinquent ÷ total loans: 2.13%
Earnings67/100
Return on assets (annualized): 1.18%
Funding & liquidity100/100
Loans ÷ shares: 52.0% · 0.0% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.44%

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 18 points (93 → 75), mostly because the loan quality component weakened by 71 points.

TellerScore
758594Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202491
Q3 202491
Q4 202492
Q1 202589
Q2 202593
Q3 202594
Q4 202591
Q1 202680
Q2 202675
Net worth ratio
7.00%13.51%20.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.72%
Q3 202418.70%
Q4 202418.47%
Q1 202518.43%
Q2 202518.23%
Q3 202519.50%
Q4 202519.69%
Q1 202619.82%
Q2 202620.02%
Delinquent loans (60+ days)
0.00%1.07%2.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20262.13%
Return on assets
-11.91%-5.36%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.92%
Q3 20240.83%
Q4 20240.97%
Q1 20250.61%
Q2 20251.09%
Q3 20251.19%
Q4 20250.92%
Q1 2026-11.91%
Q2 20261.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$10.2M20.02%2.13%1.18%52.0%
Q1 202680$10.2M19.82%0.00%-11.91%54.2%
Q4 202591$10.0M19.69%0.00%0.92%55.7%
Q3 202594$10.1M19.50%0.00%1.19%53.6%
Q2 202593$10.6M18.23%0.00%1.09%50.8%
Q1 202589$10.3M18.43%0.00%0.61%50.4%
Q4 202492$10.2M18.47%0.00%0.97%50.5%
Q3 202491$9.9M18.70%0.00%0.83%49.6%
Q2 202491$10.3M17.72%0.00%0.92%46.0%

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 ratio20.02%
77th
Problem loans2.13%
19th
Net charge-offs-0.02%
88th
Return on assets1.18%
75th
Loans to deposits52.0%
60th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio4.4%
32nd

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InstitutionScoreAssetsCapitalProblem loansCompare
Cvph Employees Federal Credit UnionCredit union Plattsburgh, NY70 out of 100, Strong$10.4M10.8%0.04%vs
Metro Realtors Federal Credit UnionCredit union Melville, NY54 out of 100, Below average$10.6M9.6%0.50%vs
Seneca Nation of Indians Federal Credit UnionCredit union Irving, NY75 out of 100, Strong$9.5M13.5%1.43%vs
Plattsburgh City School District Federal Credit UnionCredit union Plattsburgh, NY86 out of 100, Very strong$9.4M15.6%0.32%vs
Sing Sing Employees Federal Credit UnionCredit union Briarcliff Mano, NY73 out of 100, Strong$11.0M15.6%1.26%vs
Williamsville Federal Credit UnionCredit union Amherst, NY70 out of 100, Strong$11.1M11.8%0.15%vs

Deposit insurance

Is my money safe at Maryvale Schools Federal Credit Union?

Yes. Maryvale Schools Federal Credit Union is a federally insured credit union (NCUA charter #11550). 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 20.02%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Maryvale Schools Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Maryvale Schools Federal Credit Union
Type
Federal credit union
NCUA charter #
11550
RSSD ID
745785
Primary regulator
NCUA
Established
1957
Headquarters
1050 Maryvale Dr, Cheektowaga, NY 14225
Employees
2

Quick answers

Maryvale Schools Federal Credit Union: common questions

Is Maryvale Schools Federal Credit Union NCUA insured?

Yes. Maryvale Schools Federal Credit Union is a federally insured credit union (NCUA charter #11550). 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 Maryvale Schools Federal Credit Union's TellerScore?

75 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 Maryvale Schools Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cheektowaga

InstitutionScoreAssetsCapitalProblem loansCompare
Moog Employees Federal Credit UnionCredit union East Aurora, NY100 out of 100, Very strong$257.3M26.6%0.00%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Crossroads Community Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$96.9M15.3%0.18%vs
Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$38.1M17.2%0.00%vs
Titan Federal Credit UnionCredit union Pleasant Gap, PA94 out of 100, Very strong$69.5M15.4%0.31%vs