TellerScore

Headquartered in Pearl River, New York, Palisades Federal Credit Union is a federal credit union with $212.2M in total assets and $181.1M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1941.

Based on its Q2 2026 filing, Palisades Federal Credit Union scores 52/100, which we describe as below average. That is higher than only 8% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 235th. Its strongest component is problem-loan coverage (83/100; 8.5%), and its lowest is earnings (20/100; 0.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Net worth ratio: 9.01%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.93%
Earnings20/100
Return on assets (annualized): 0.00%
Funding & liquidity70/100
Loans ÷ shares: 90.0% · 9.4% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.52%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (52 → 52).

TellerScore
495458Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202455
Q4 202458
Q1 202556
Q2 202552
Q3 202551
Q4 202549
Q1 202653
Q2 202652
Net worth ratio
7.00%8.43%9.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.42%
Q3 20249.76%
Q4 20249.85%
Q1 20259.63%
Q2 20259.69%
Q3 20259.79%
Q4 20259.34%
Q1 20269.21%
Q2 20269.01%
Delinquent loans (60+ days)
0.66%0.86%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.66%
Q3 20240.81%
Q4 20240.83%
Q1 20250.79%
Q2 20250.93%
Q3 20251.05%
Q4 20250.95%
Q1 20260.87%
Q2 20260.93%
Return on assets
-0.45%-0.10%0.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.07%
Q3 20240.02%
Q4 20240.25%
Q1 2025-0.02%
Q2 2025-0.36%
Q3 2025-0.24%
Q4 2025-0.45%
Q1 2026-0.12%
Q2 20260.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$212.2M9.01%0.93%0.00%90.0%
Q1 202653$207.0M9.21%0.87%-0.12%88.3%
Q4 202549$204.8M9.34%0.95%-0.45%89.0%
Q3 202551$201.0M9.79%1.05%-0.24%88.9%
Q2 202552$203.6M9.69%0.93%-0.36%85.5%
Q1 202556$208.6M9.63%0.79%-0.02%83.2%
Q4 202458$204.1M9.85%0.83%0.25%89.1%
Q3 202455$201.0M9.76%0.81%0.02%92.2%
Q2 202455$207.7M9.42%0.66%-0.07%87.2%

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 ratio9.01%
13th
Problem loans0.93%
34th
Net charge-offs0.45%
41st
Return on assets0.00%
5th
Loans to deposits90.0%
17th
Uninsured deposits9.4%
20th
Loan-loss reserves0.00%
50th
Texas ratio8.5%
18th

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Deposit insurance

Is my money safe at Palisades Federal Credit Union?

Yes. Palisades Federal Credit Union is a federally insured credit union (NCUA charter #4480). 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 9.4% of shares and deposits ($17.0M) 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 9.01%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Palisades Federal Credit Union
Type
Federal credit union
NCUA charter #
4480
RSSD ID
201973
Primary regulator
NCUA
Established
1941
Headquarters
1 Blue Hill Plz, P.O. Box 1529, Pearl River, NY 10965
Employees
37

Quick answers

Palisades Federal Credit Union: common questions

Is Palisades Federal Credit Union NCUA insured?

Yes. Palisades Federal Credit Union is a federally insured credit union (NCUA charter #4480). 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 Palisades Federal Credit Union's TellerScore?

52 out of 100 (Below average), 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 Palisades Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Pearl River

InstitutionScoreAssetsCapitalProblem loansCompare
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Gha Federal Credit UnionCredit union Greenwich, CT91 out of 100, Very strong$29.7M17.5%0.56%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT89 out of 100, Very strong$32.6M14.5%0.87%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs