TellerScore

North Towns Federal Credit Union is a federal credit union headquartered in Clarence, New York, in business for about 72 years. At the end of Q2 2026 it reported $51.7M in total assets and $46.7M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, North Towns Federal Credit Union scores 69/100, which we describe as moderate. That is higher than only 38% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 147th. Its strongest component is funding & liquidity (100/100; 61% loans-to-deposits, 5% uninsured), and its lowest is capital cushion (45/100; 9.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.50%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.06%
Earnings77/100
Return on assets (annualized): 1.43%
Funding & liquidity100/100
Loans ÷ shares: 60.7% · 4.8% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.15%

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 3 points (72 → 69), mostly because the loan quality component weakened by 27 points.

TellerScore
586877Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202464
Q4 202465
Q1 202564
Q2 202572
Q3 202567
Q4 202567
Q1 202677
Q2 202669
Net worth ratio
7.00%8.30%9.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.61%
Q3 20249.01%
Q4 20248.98%
Q1 20258.63%
Q2 20258.80%
Q3 20259.08%
Q4 20259.39%
Q1 20269.61%
Q2 20269.50%
Delinquent loans (60+ days)
0.24%0.65%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.06%
Q3 20240.75%
Q4 20240.50%
Q1 20250.65%
Q2 20250.24%
Q3 20250.94%
Q4 20250.95%
Q1 20260.28%
Q2 20261.06%
Return on assets
0.51%1.01%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.51%
Q3 20240.78%
Q4 20240.63%
Q1 20250.74%
Q2 20251.23%
Q3 20251.24%
Q4 20251.22%
Q1 20261.51%
Q2 20261.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$51.7M9.50%1.06%1.43%60.7%
Q1 202677$49.2M9.61%0.28%1.51%64.7%
Q4 202567$48.4M9.39%0.95%1.22%65.5%
Q3 202567$49.1M9.08%0.94%1.24%64.6%
Q2 202572$48.5M8.80%0.24%1.23%63.6%
Q1 202564$47.0M8.63%0.65%0.74%64.7%
Q4 202465$44.3M8.98%0.50%0.63%69.0%
Q3 202464$44.1M9.01%0.75%0.78%69.0%
Q2 202458$44.5M8.61%1.06%0.51%67.2%

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 ratio9.50%
12th
Problem loans1.06%
37th
Net charge-offs0.04%
64th
Return on assets1.43%
83rd
Loans to deposits60.7%
47th
Uninsured deposits4.8%
22nd
Loan-loss reserves0.00%
37th
Texas ratio6.1%
23rd

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Deposit insurance

Is my money safe at North Towns Federal Credit Union?

Yes. North Towns Federal Credit Union is a federally insured credit union (NCUA charter #9812). 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 4.8% of shares and deposits ($2.3M) 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 9.50%, 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

North Towns Federal Credit Union lists 2 offices in 1 city. Most locations:

  • Clarence, NY (2)

All branch addresses and map

Identity & history

Profile

Legal name
North Towns Federal Credit Union
Type
Federal credit union
NCUA charter #
9812
RSSD ID
917283
Primary regulator
NCUA
Established
1954
Headquarters
PO Box 657, Clarence, NY 14031
Employees
9

Quick answers

North Towns Federal Credit Union: common questions

Is North Towns Federal Credit Union NCUA insured?

Yes. North Towns Federal Credit Union is a federally insured credit union (NCUA charter #9812). 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 North Towns Federal Credit Union's TellerScore?

69 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 North Towns Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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