TellerScore

Headquartered in Buffalo, New York, Morton Lane Federal Credit Union is a federal credit union with $62.8M in total assets and $54.7M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1962.

Morton Lane Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 44% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 125th. Funding & liquidity contributes the most (100/100, 54% loans-to-deposits, 7% uninsured); earnings contributes the least (34/100, 0.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Net worth ratio: 12.80%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.89%
Earnings34/100
Return on assets (annualized): 0.35%
Funding & liquidity100/100
Loans ÷ shares: 54.2% · 7.0% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.30%

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 4 points (68 → 72), mostly because the capital cushion component improved by 8 points.

TellerScore
596774Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202468
Q4 202469
Q1 202570
Q2 202568
Q3 202563
Q4 202559
Q1 202672
Q2 202672
Net worth ratio
7.00%9.90%12.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.65%
Q3 202411.55%
Q4 202411.84%
Q1 202511.92%
Q2 202512.04%
Q3 202512.07%
Q4 202512.12%
Q1 202612.51%
Q2 202612.80%
Delinquent loans (60+ days)
0.28%1.14%2.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.28%
Q3 20240.90%
Q4 20240.88%
Q1 20250.85%
Q2 20251.05%
Q3 20251.58%
Q4 20252.01%
Q1 20260.79%
Q2 20260.89%
Return on assets
0.31%0.33%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.34%
Q4 20240.34%
Q1 20250.31%
Q2 20250.31%
Q3 20250.31%
Q4 20250.31%
Q1 20260.32%
Q2 20260.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$62.8M12.80%0.89%0.35%54.2%
Q1 202672$63.8M12.51%0.79%0.32%54.7%
Q4 202559$65.5M12.12%2.01%0.31%53.5%
Q3 202563$65.3M12.07%1.58%0.31%54.0%
Q2 202568$65.1M12.04%1.05%0.31%52.8%
Q1 202570$65.3M11.92%0.85%0.31%51.6%
Q4 202469$65.3M11.84%0.88%0.34%52.6%
Q3 202468$66.5M11.55%0.90%0.34%51.5%
Q2 202474$65.4M11.65%0.28%0.34%51.9%

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 ratio12.80%
38th
Problem loans0.89%
42nd
Net charge-offs0.16%
51st
Return on assets0.35%
34th
Loans to deposits54.2%
56th
Uninsured deposits7.0%
13th
Loan-loss reserves0.00%
37th
Texas ratio3.3%
40th

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Deposit insurance

Is my money safe at Morton Lane Federal Credit Union?

Yes. Morton Lane Federal Credit Union is a federally insured credit union (NCUA charter #15021). 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 7.0% of shares and deposits ($3.8M) 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 12.80%, 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

Morton Lane Federal Credit Union lists 5 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Morton Lane Federal Credit Union
Type
Federal credit union
NCUA charter #
15021
RSSD ID
752587
Primary regulator
NCUA
Established
1962
Headquarters
388 Englewood Ave, Buffalo, NY 14223
Employees
7

Quick answers

Morton Lane Federal Credit Union: common questions

Is Morton Lane Federal Credit Union NCUA insured?

Yes. Morton Lane Federal Credit Union is a federally insured credit union (NCUA charter #15021). 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 Morton Lane Federal Credit Union's TellerScore?

72 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 Morton Lane Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

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