TellerScore

N Y Team Federal Credit Union is a federal credit union headquartered in Ronkonkoma, New York, in business for about 57 years. At the end of Q2 2026 it reported $43.5M in total assets and $40.5M in member shares and deposits, with 4 offices.

N Y Team Federal Credit Union has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 15% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 223rd. Funding & liquidity contributes the most (87/100, 74% loans-to-deposits, 2% uninsured); capital cushion contributes the least (21/100, 7.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion21/100
Net worth ratio: 7.12%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.87%
Earnings49/100
Return on assets (annualized): 0.72%
Funding & liquidity87/100
Loans ÷ shares: 73.7% · 1.8% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.34%

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 (54 → 55).

TellerScore
354758Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202435
Q3 202456
Q4 202456
Q1 202555
Q2 202554
Q3 202555
Q4 202557
Q1 202658
Q2 202655
Net worth ratio
6.17%6.64%7.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20246.17%
Q3 20246.26%
Q4 20246.62%
Q1 20256.60%
Q2 20256.68%
Q3 20256.68%
Q4 20256.85%
Q1 20266.74%
Q2 20267.12%
Delinquent loans (60+ days)
0.41%1.52%2.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.62%
Q3 20240.60%
Q4 20240.77%
Q1 20250.74%
Q2 20250.71%
Q3 20250.60%
Q4 20250.47%
Q1 20260.41%
Q2 20260.87%
Return on assets
0.34%0.53%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.50%
Q4 20240.70%
Q1 20250.44%
Q2 20250.34%
Q3 20250.43%
Q4 20250.47%
Q1 20260.63%
Q2 20260.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$43.5M7.12%0.87%0.72%73.7%
Q1 202658$44.7M6.74%0.41%0.63%68.9%
Q4 202557$43.6M6.85%0.47%0.47%70.1%
Q3 202555$43.1M6.68%0.60%0.43%67.8%
Q2 202554$42.9M6.68%0.71%0.34%61.4%
Q1 202555$42.2M6.60%0.74%0.44%58.2%
Q4 202456$41.3M6.62%0.77%0.70%61.1%
Q3 202456$42.0M6.26%0.60%0.50%57.0%
Q2 202435$41.4M6.17%2.62%0.51%59.5%

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 ratio7.12%
2nd
Problem loans0.87%
44th
Net charge-offs0.77%
19th
Return on assets0.72%
54th
Loans to deposits73.7%
27th
Uninsured deposits1.8%
46th
Loan-loss reserves0.00%
37th
Texas ratio8.3%
17th

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Deposit insurance

Is my money safe at N Y Team Federal Credit Union?

Yes. N Y Team Federal Credit Union is a federally insured credit union (NCUA charter #19216). 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 1.8% of shares and deposits ($737K) 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 7.12%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

N Y Team Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
N Y Team Federal Credit Union
Type
Federal credit union
NCUA charter #
19216
RSSD ID
948586
Primary regulator
NCUA
Established
1969
Headquarters
4155 Veterans Memorial Hwy Ste 7, Ronkonkoma, NY 11779
Employees
14

Quick answers

N Y Team Federal Credit Union: common questions

Is N Y Team Federal Credit Union NCUA insured?

Yes. N Y Team Federal Credit Union is a federally insured credit union (NCUA charter #19216). 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 N Y Team Federal Credit Union's TellerScore?

55 out of 100 (Moderate), 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 N Y Team Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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