TellerScore

Ontario Shores Federal Credit Union (NCUA charter #14462) is based in Newfane, New York. Its Q2 2026 call report shows $208.4M in total assets and $185.0M in member shares and deposits and 3 offices.

Ontario Shores Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 152nd. Funding & liquidity contributes the most (100/100, 50% loans-to-deposits, 8% uninsured); capital cushion contributes the least (57/100, 10.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.65%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.16%
Earnings60/100
Return on assets (annualized): 0.99%
Funding & liquidity100/100
Loans ÷ shares: 50.2% · 8.3% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.83%

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 5 points (73 → 68), mostly because the loan quality component weakened by 16 points.

TellerScore
687377Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202474
Q4 202476
Q1 202577
Q2 202573
Q3 202570
Q4 202570
Q1 202670
Q2 202668
Net worth ratio
7.00%9.07%11.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.99%
Q3 202411.11%
Q4 202411.13%
Q1 202510.94%
Q2 202510.76%
Q3 202510.81%
Q4 202510.79%
Q1 202610.73%
Q2 202610.65%
Delinquent loans (60+ days)
0.37%0.76%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.59%
Q3 20240.65%
Q4 20240.54%
Q1 20250.37%
Q2 20250.69%
Q3 20250.94%
Q4 20251.00%
Q1 20260.97%
Q2 20261.16%
Return on assets
0.92%1.01%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20241.01%
Q4 20241.10%
Q1 20251.03%
Q2 20251.01%
Q3 20250.93%
Q4 20250.92%
Q1 20260.98%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$208.4M10.65%1.16%0.99%50.2%
Q1 202670$201.9M10.73%0.97%0.98%50.6%
Q4 202570$196.2M10.79%1.00%0.92%52.2%
Q3 202570$191.5M10.81%0.94%0.93%54.6%
Q2 202573$188.9M10.76%0.69%1.01%54.0%
Q1 202577$166.0M10.94%0.37%1.03%57.5%
Q4 202476$159.2M11.13%0.54%1.10%60.9%
Q3 202474$154.9M11.11%0.65%1.01%61.7%
Q2 202475$152.8M10.99%0.59%1.07%62.1%

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 ratio10.65%
38th
Problem loans1.16%
24th
Net charge-offs0.05%
92nd
Return on assets0.99%
65th
Loans to deposits50.2%
90th
Uninsured deposits8.3%
27th
Loan-loss reserves0.00%
50th
Texas ratio4.8%
41st

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Palisades Federal Credit UnionCredit union Pearl River, NY52 out of 100, Below average$212.2M9.0%0.93%vs
Financial Trust Federal Credit UnionCredit union Cheektowaga, NY89 out of 100, Very strong$203.4M15.0%0.51%vs
Western Division Federal Credit UnionCredit union Williamsville, NY91 out of 100, Very strong$223.9M14.8%0.27%vs
Sjp Federal Credit UnionCredit union Buffalo, NY69 out of 100, Moderate$187.7M11.3%0.93%vs
First Choice Financial Federal Credit UnionCredit union Gloversville, NY72 out of 100, Strong$183.7M13.1%1.70%vs
Trailnorth Federal Credit UnionCredit union Ticonderoga, NY66 out of 100, Moderate$179.6M9.8%0.84%vs

Deposit insurance

Is my money safe at Ontario Shores Federal Credit Union?

Yes. Ontario Shores Federal Credit Union is a federally insured credit union (NCUA charter #14462). 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 8.3% of shares and deposits ($15.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.65%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Ontario Shores Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Ontario Shores Federal Credit Union Classic Credit Card—$0$100.0%

All Ontario Shores Federal Credit Union card terms

Identity & history

Profile

Legal name
Ontario Shores Federal Credit Union
Type
Federal credit union
NCUA charter #
14462
RSSD ID
363385
Primary regulator
NCUA
Established
1961
Headquarters
PO Box 9, Newfane, NY 14108
Employees
30

Quick answers

Ontario Shores Federal Credit Union: common questions

Is Ontario Shores Federal Credit Union NCUA insured?

Yes. Ontario Shores Federal Credit Union is a federally insured credit union (NCUA charter #14462). 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 Ontario Shores Federal Credit Union's TellerScore?

68 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 Ontario Shores Federal Credit Union have?

3 offices as of the latest NCUA data.