TellerScore

Pittsford Federal Credit Union is a federal credit union headquartered in Pittsford, New York, in business for about 58 years. At the end of Q2 2026 it reported $542.3M in total assets and $476.0M in member shares and deposits, with 2 offices.

Pittsford Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 107th. Problem-loan coverage contributes the most (94/100, 3.0%); earnings contributes the least (51/100, 0.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Net worth ratio: 11.91%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.55%
Earnings51/100
Return on assets (annualized): 0.77%
Funding & liquidity86/100
Loans ÷ shares: 74.7% · 10.1% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.05%

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 (75 → 74).

TellerScore
707376Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202470
Q1 202575
Q2 202575
Q3 202574
Q4 202573
Q1 202676
Q2 202674
Net worth ratio
7.00%9.46%11.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.06%
Q3 202411.49%
Q4 202411.35%
Q1 202511.38%
Q2 202511.48%
Q3 202511.66%
Q4 202511.52%
Q1 202611.63%
Q2 202611.91%
Delinquent loans (60+ days)
0.07%0.31%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.12%
Q3 20240.33%
Q4 20240.38%
Q1 20250.07%
Q2 20250.12%
Q3 20250.21%
Q4 20250.25%
Q1 20260.12%
Q2 20260.55%
Return on assets
0.26%0.51%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.26%
Q3 20240.38%
Q4 20240.37%
Q1 20250.56%
Q2 20250.61%
Q3 20250.56%
Q4 20250.45%
Q1 20260.62%
Q2 20260.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$542.3M11.91%0.55%0.77%74.7%
Q1 202676$544.7M11.63%0.12%0.62%73.4%
Q4 202573$542.7M11.52%0.25%0.45%73.8%
Q3 202574$534.3M11.66%0.21%0.56%76.2%
Q2 202575$537.8M11.48%0.12%0.61%76.1%
Q1 202575$534.4M11.38%0.07%0.56%76.6%
Q4 202470$529.2M11.35%0.38%0.37%77.8%
Q3 202470$518.2M11.49%0.33%0.38%80.4%
Q2 202470$531.3M11.06%0.12%0.26%79.8%

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 ratio11.91%
56th
Problem loans0.55%
60th
Net charge-offs0.01%
96th
Return on assets0.77%
52nd
Loans to deposits74.7%
53rd
Uninsured deposits10.1%
17th
Loan-loss reserves0.00%
50th
Texas ratio3.0%
61st

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Deposit insurance

Is my money safe at Pittsford Federal Credit Union?

Yes. Pittsford Federal Credit Union is a federally insured credit union (NCUA charter #19085). 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 10.1% of shares and deposits ($47.9M) 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 11.91%, 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

Pittsford Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Mendon, NY (1)
  • Pittsford, NY (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Pittsford Federal Credit Union reported 389 home-loan applications under HMDA (LEI 549300P3STF5YYEJYO93): 327 originated ($46,105,000 total), 16 denied, and 33 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Pittsford Federal Credit Union
Type
Federal credit union
NCUA charter #
19085
RSSD ID
996381
Primary regulator
NCUA
Established
1968
Headquarters
Po Box 346, Pittsford, NY 14534
Employees
60

Quick answers

Pittsford Federal Credit Union: common questions

Is Pittsford Federal Credit Union NCUA insured?

Yes. Pittsford Federal Credit Union is a federally insured credit union (NCUA charter #19085). 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 Pittsford Federal Credit Union's TellerScore?

74 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 Pittsford Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Pittsford

InstitutionScoreAssetsCapitalProblem loansCompare
Genesee Valley Federal Credit UnionCredit union Geneseo, NY98 out of 100, Very strong$175.9M16.6%0.19%vs
Finger Lakes Federal Credit UnionCredit union Geneva, NY96 out of 100, Very strong$259.5M15.1%0.10%vs
ESL Federal Credit UnionCredit union Rochester, NY90 out of 100, Very strong$10.8B16.4%0.90%vs
Le Roy Federal Credit UnionCredit union Le Roy, NY86 out of 100, Very strong$21.1M11.4%0.37%vs
Westside Community Federal Credit UnionCredit union Churchville, NY84 out of 100, Strong$25.7M11.0%0.00%vs
Greece Community Federal Credit UnionCredit union Rochester, NY83 out of 100, Strong$13.0M12.3%0.05%vs