TellerScore

Olean Teachers' and Postal Federal Credit Union (NCUA charter #7656) is based in Olean, New York. Its Q2 2026 call report shows $27.6M in total assets and $24.5M in member shares and deposits.

Based on its Q2 2026 filing, Olean Teachers' and Postal Federal Credit Union scores 77/100, which we describe as strong. That is higher than 57% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 92nd. Its strongest component is funding & liquidity (100/100; 47% loans-to-deposits, 2% uninsured), and its lowest is capital cushion (61/100; 11.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.09%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.64%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity100/100
Loans ÷ shares: 47.3% · 1.5% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.44%

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 6 points (71 → 77), mostly because the loan quality component improved by 13 points.

TellerScore
566777Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202470
Q4 202456
Q1 202571
Q2 202571
Q3 202573
Q4 202573
Q1 202676
Q2 202677
Net worth ratio
7.00%9.04%11.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.87%
Q3 20249.55%
Q4 20249.87%
Q1 202510.08%
Q2 202510.13%
Q3 202510.93%
Q4 202510.89%
Q1 202610.92%
Q2 202611.09%
Delinquent loans (60+ days)
0.62%1.68%2.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.78%
Q3 20241.09%
Q4 20242.74%
Q1 20251.03%
Q2 20251.01%
Q3 20251.12%
Q4 20250.99%
Q1 20260.62%
Q2 20260.64%
Return on assets
1.19%1.34%1.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20241.44%
Q4 20241.50%
Q1 20251.31%
Q2 20251.31%
Q3 20251.45%
Q4 20251.24%
Q1 20261.19%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$27.6M11.09%0.64%1.32%47.3%
Q1 202676$27.1M10.92%0.62%1.19%41.9%
Q4 202573$26.5M10.89%0.99%1.24%40.6%
Q3 202573$26.0M10.93%1.12%1.45%40.3%
Q2 202571$27.0M10.13%1.01%1.31%37.4%
Q1 202571$26.2M10.08%1.03%1.31%30.9%
Q4 202456$25.9M9.87%2.74%1.50%31.9%
Q3 202470$25.6M9.55%1.09%1.44%32.1%
Q2 202460$26.3M8.87%1.78%1.27%30.2%

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 ratio11.09%
24th
Problem loans0.64%
52nd
Net charge-offs0.00%
77th
Return on assets1.32%
80th
Loans to deposits47.3%
68th
Uninsured deposits1.5%
49th
Loan-loss reserves0.00%
37th
Texas ratio2.4%
48th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Allegany First Federal Credit UnionCredit union Fillmore, NY85 out of 100, Very strong$27.1M13.9%1.06%vs
Tri-Lakes Federal Credit UnionCredit union Saranac Lake, NY91 out of 100, Very strong$28.7M13.5%0.03%vs
Lockport Schools & Community Federal Credit UnionCredit union Lockport, NY73 out of 100, Strong$25.9M9.1%0.39%vs
Canandaigua Federal Credit UnionCredit union Canandaigua, NY49 out of 100, Below average$29.5M11.1%3.44%vs
Westside Community Federal Credit UnionCredit union Churchville, NY84 out of 100, Strong$25.7M11.0%0.00%vs
U. H. S. Employees Federal Credit UnionCredit union Johnson City, NY72 out of 100, Strong$25.6M10.7%1.05%vs

Deposit insurance

Is my money safe at Olean Teachers' and Postal Federal Credit Union?

Yes. Olean Teachers' and Postal Federal Credit Union is a federally insured credit union (NCUA charter #7656). 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 1.5% of shares and deposits ($379K) 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 11.09%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Olean Teachers' and Postal Federal Credit Union
Type
Federal credit union
NCUA charter #
7656
RSSD ID
327284
Primary regulator
NCUA
Established
1952
Headquarters
1700 Constitution Ave, Olean, NY 14760
Employees
5

Quick answers

Olean Teachers' and Postal Federal Credit Union: common questions

Is Olean Teachers' and Postal Federal Credit Union NCUA insured?

Yes. Olean Teachers' and Postal Federal Credit Union is a federally insured credit union (NCUA charter #7656). 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 Olean Teachers' and Postal Federal Credit Union's TellerScore?

77 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.