TellerScore

Headquartered in Marcy, New York, Mohawk Valley Federal Credit Union is a federal credit union with $61.9M in total assets and $53.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1971.

Mohawk Valley Federal Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 65% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 72nd. Funding & liquidity contributes the most (100/100, 50% loans-to-deposits, 3% uninsured); earnings contributes the least (68/100, 1.20%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Net worth ratio: 12.95%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.86%
Earnings68/100
Return on assets (annualized): 1.20%
Funding & liquidity100/100
Loans ÷ shares: 49.9% · 3.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.88%

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 (79 → 80).

TellerScore
788184Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202480
Q4 202478
Q1 202579
Q2 202579
Q3 202583
Q4 202584
Q1 202679
Q2 202680
Net worth ratio
7.00%10.29%13.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.57%
Q3 202413.58%
Q4 202413.26%
Q1 202513.01%
Q2 202512.68%
Q3 202512.83%
Q4 202512.59%
Q1 202612.75%
Q2 202612.95%
Delinquent loans (60+ days)
0.38%0.68%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.83%
Q3 20240.98%
Q4 20240.98%
Q1 20250.71%
Q2 20250.70%
Q3 20250.47%
Q4 20250.38%
Q1 20260.74%
Q2 20260.86%
Return on assets
0.92%1.13%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.20%
Q3 20241.15%
Q4 20241.01%
Q1 20250.92%
Q2 20251.01%
Q3 20251.24%
Q4 20251.34%
Q1 20261.08%
Q2 20261.20%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$61.9M12.95%0.86%1.20%49.9%
Q1 202679$61.3M12.75%0.74%1.08%50.2%
Q4 202584$60.8M12.59%0.38%1.34%50.1%
Q3 202583$57.4M12.83%0.47%1.24%53.1%
Q2 202579$56.1M12.68%0.70%1.01%52.9%
Q1 202579$53.7M13.01%0.71%0.92%54.4%
Q4 202478$51.8M13.26%0.98%1.01%56.5%
Q3 202480$49.7M13.58%0.98%1.15%60.3%
Q2 202481$49.0M13.57%0.83%1.20%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 ratio12.95%
39th
Problem loans0.86%
44th
Net charge-offs0.41%
32nd
Return on assets1.20%
76th
Loans to deposits49.9%
64th
Uninsured deposits3.0%
36th
Loan-loss reserves0.00%
37th
Texas ratio2.9%
43rd

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InstitutionScoreAssetsCapitalProblem loansCompare
Alco Federal Credit UnionCredit union Wellsville, NY83 out of 100, Strong$61.5M13.7%0.95%vs
C C S E Federal Credit UnionCredit union Salamanca, NY78 out of 100, Strong$61.1M10.9%0.37%vs
Morton Lane Federal Credit UnionCredit union Buffalo, NY72 out of 100, Strong$62.8M12.8%0.89%vs
Buffalo Conrail Federal Credit UnionCredit union Cheektowaga, NY91 out of 100, Very strong$61.0M22.3%0.17%vs
Remington Federal Credit UnionCredit union Ilion, NY88 out of 100, Very strong$59.9M15.1%0.76%vs
Rt Federal Credit UnionCredit union Rome, NY63 out of 100, Moderate$59.2M10.6%0.49%vs

Deposit insurance

Is my money safe at Mohawk Valley Federal Credit Union?

Yes. Mohawk Valley Federal Credit Union is a federally insured credit union (NCUA charter #20823). 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 3.0% of shares and deposits ($1.6M) 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 12.95%, well 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

Mohawk Valley Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Mohawk Valley Federal Credit Union
Type
Federal credit union
NCUA charter #
20823
RSSD ID
744386
Primary regulator
NCUA
Established
1971
Headquarters
9212 River Rd, Marcy, NY 13403
Employees
13

Quick answers

Mohawk Valley Federal Credit Union: common questions

Is Mohawk Valley Federal Credit Union NCUA insured?

Yes. Mohawk Valley Federal Credit Union is a federally insured credit union (NCUA charter #20823). 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 Mohawk Valley Federal Credit Union's TellerScore?

80 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 Mohawk Valley Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Marcy

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of UticaBank Utica, NY92 out of 100, Very strong$1.5B26.5%0.59%vs
Remington Federal Credit UnionCredit union Ilion, NY88 out of 100, Very strong$59.9M15.1%0.76%vs
Utica District Telephone Employees Federal Credit UnionCredit union Utica, NY82 out of 100, Strong$40.3M31.9%0.83%vs
G.P.O. Federal Credit UnionCredit union New Hartford, NY79 out of 100, Strong$629.8M11.7%0.39%vs
Oneida County Federal Credit UnionCredit union Utica, NY73 out of 100, Strong$13.5M12.5%0.38%vs
Utica Gas & Electric Emp Federal Credit UnionCredit union New Hartford, NY73 out of 100, Strong$135.9M16.7%1.72%vs