TellerScore

NY Firefighters Bravest Federal Credit Union is a federal credit union headquartered in Albany, New York, in business for about 91 years. At the end of Q2 2026 it reported $24.5M in total assets and $22.6M in member shares and deposits, with 2 offices across 2 states.

NY Firefighters Bravest Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 133rd. Problem-loan coverage contributes the most (94/100, 2.9%); earnings contributes the least (43/100, 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Net worth ratio: 12.04%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.42%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity70/100
Loans ÷ shares: 90.2% · 0.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.90%

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 4 points (75 → 71), mostly because the earnings component weakened by 15 points.

TellerScore
566676Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202465
Q4 202461
Q1 202573
Q2 202575
Q3 202576
Q4 202573
Q1 202670
Q2 202671
Net worth ratio
7.00%9.52%12.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.09%
Q3 202410.86%
Q4 202410.66%
Q1 202510.86%
Q2 202511.47%
Q3 202511.69%
Q4 202511.22%
Q1 202611.68%
Q2 202612.04%
Delinquent loans (60+ days)
0.04%0.23%0.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.41%
Q3 20240.04%
Q4 20240.29%
Q1 20250.07%
Q2 20250.13%
Q3 20250.15%
Q4 20250.29%
Q1 20260.15%
Q2 20260.42%
Return on assets
-1.11%-0.05%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-1.11%
Q3 2024-0.15%
Q4 2024-0.23%
Q1 20250.74%
Q2 20250.96%
Q3 20251.00%
Q4 20250.93%
Q1 20260.20%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$24.5M12.04%0.42%0.58%90.2%
Q1 202670$24.7M11.68%0.15%0.20%90.7%
Q4 202573$25.6M11.22%0.29%0.93%90.0%
Q3 202576$24.3M11.69%0.15%1.00%94.3%
Q2 202575$24.1M11.47%0.13%0.96%93.5%
Q1 202573$24.8M10.86%0.07%0.74%90.3%
Q4 202461$24.9M10.66%0.29%-0.23%93.8%
Q3 202465$24.8M10.86%0.04%-0.15%96.1%
Q2 202456$25.6M10.09%0.41%-1.11%97.7%

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 ratio12.04%
32nd
Problem loans0.42%
62nd
Net charge-offs0.15%
52nd
Return on assets0.58%
46th
Loans to deposits90.2%
9th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio2.9%
43rd

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Deposit insurance

Is my money safe at NY Firefighters Bravest Federal Credit Union?

Yes. NY Firefighters Bravest Federal Credit Union is a federally insured credit union (NCUA charter #609). 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 12.04%, 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

NY Firefighters Bravest Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
NY Firefighters Bravest Federal Credit Union
Type
Federal credit union
NCUA charter #
609
RSSD ID
124876
Primary regulator
NCUA
Established
1935
Headquarters
532 Central Ave, Albany, NY 12206
Employees
12

Quick answers

NY Firefighters Bravest Federal Credit Union: common questions

Is NY Firefighters Bravest Federal Credit Union NCUA insured?

Yes. NY Firefighters Bravest Federal Credit Union is a federally insured credit union (NCUA charter #609). 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 NY Firefighters Bravest Federal Credit Union's TellerScore?

71 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 NY Firefighters Bravest Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

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