TellerScore

One Credit Union of NY is a federally insured state-chartered credit union headquartered in Cheektowaga, New York, in business for about 93 years. At the end of Q2 2026 it reported $114.4M in total assets and $99.0M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, One Credit Union of NY scores 89/100, which we describe as very strong. That is higher than 94% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 29th. Its strongest component is funding & liquidity (100/100; 42% loans-to-deposits, 4% uninsured), and its lowest is earnings (75/100; 1.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Net worth ratio: 13.16%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.12%
Earnings75/100
Return on assets (annualized): 1.37%
Funding & liquidity100/100
Loans ÷ shares: 42.0% · 3.9% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.34%

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

From Q2 2025 to Q2 2026, the score rose 6 points (83 → 89), mostly because the capital cushion component improved by 18 points.

TellerScore
838892Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202484
Q4 202484
Q1 202583
Q2 202583
Q3 202584
Q4 202583
Q1 202685
Q2 202689
Net worth ratio
7.00%10.15%13.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.30%
Q3 202411.10%
Q4 202411.27%
Q1 202511.22%
Q2 202511.40%
Q3 202513.12%
Q4 202512.97%
Q1 202613.05%
Q2 202613.16%
Delinquent loans (60+ days)
0.06%0.29%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.34%
Q3 20240.20%
Q4 20240.15%
Q1 20250.06%
Q2 20250.10%
Q3 20250.53%
Q4 20250.51%
Q1 20260.21%
Q2 20260.12%
Return on assets
1.13%1.64%2.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.14%
Q3 20241.74%
Q4 20241.49%
Q1 20251.31%
Q2 20251.38%
Q3 20251.34%
Q4 20251.14%
Q1 20261.13%
Q2 20261.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$114.4M13.16%0.12%1.37%42.0%
Q1 202685$111.8M13.05%0.21%1.13%41.0%
Q4 202583$110.1M12.97%0.51%1.14%43.4%
Q3 202584$107.6M13.12%0.53%1.34%45.1%
Q2 202583$108.1M11.40%0.10%1.38%42.6%
Q1 202583$106.8M11.22%0.06%1.31%41.9%
Q4 202484$103.6M11.27%0.15%1.49%45.0%
Q3 202484$102.3M11.10%0.20%1.74%46.0%
Q2 202492$82.9M13.30%0.34%2.14%48.4%

1,341 peers · $100 million – $1 billion

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 ratio13.16%
71st
Problem loans0.12%
94th
Net charge-offs0.13%
81st
Return on assets1.37%
85th
Loans to deposits42.0%
95th
Uninsured deposits3.9%
73rd
Loan-loss reserves0.00%
50th
Texas ratio0.3%
96th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Trunorthern Federal Credit UnionCredit union Malone, NY76 out of 100, Strong$111.7M11.7%0.25%vs
American Broadcast Employees Federal Credit UnionCredit union Rockville Centr, NY76 out of 100, Strong$111.5M14.9%1.20%vs
Port Washington Federal Credit UnionCredit union Port Washington, NY61 out of 100, Moderate$109.9M15.3%4.28%vs
Salt City Federal Credit UnionCredit union Solvay, NY62 out of 100, Moderate$119.1M9.0%0.78%vs
Community Resource Federal Credit UnionCredit union Latham, NY65 out of 100, Moderate$120.3M12.1%0.83%vs
Leatherstocking Region Federal Credit UnionCredit union Cooperstown, NY78 out of 100, Strong$107.7M12.1%0.68%vs

Deposit insurance

Is my money safe at One Credit Union of NY?

Yes. One Credit Union of NY is a federally insured credit union (NCUA charter #60716). 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 3.9% of shares and deposits ($3.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.16%, 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

One Credit Union of NY lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
One Credit Union of NY
Type
Federally insured state-chartered credit union
NCUA charter #
60716
RSSD ID
469492
Primary regulator
State + NCUA
Established
1933
Headquarters
3517 Union Rd, Cheektowaga, NY 14225
Employees
21

Quick answers

One Credit Union of NY: common questions

Is One Credit Union of NY NCUA insured?

Yes. One Credit Union of NY is a federally insured credit union (NCUA charter #60716). 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 One Credit Union of NY's TellerScore?

89 out of 100 (Very 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 One Credit Union of NY have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cheektowaga

InstitutionScoreAssetsCapitalProblem loansCompare
Moog Employees Federal Credit UnionCredit union East Aurora, NY100 out of 100, Very strong$257.3M26.6%0.00%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Crossroads Community Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$96.9M15.3%0.18%vs
Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$38.1M17.2%0.00%vs
Titan Federal Credit UnionCredit union Pleasant Gap, PA94 out of 100, Very strong$69.5M15.4%0.31%vs