TellerScore

Plattsburgh City School District Federal Credit Union (NCUA charter #12873) is based in Plattsburgh, New York. Its Q2 2026 call report shows $9.4M in total assets and $7.9M in member shares and deposits and 1 office.

Plattsburgh City School District Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 80% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 45th. Capital cushion contributes the most (100/100, 15.57%); earnings contributes the least (63/100, 1.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.57%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.32%
Earnings63/100
Return on assets (annualized): 1.09%
Funding & liquidity77/100
Loans ÷ shares: 83.3% · 0.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.41%

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 4 points (82 → 86), mostly because the earnings component improved by 14 points.

TellerScore
808386Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202480
Q4 202482
Q1 202585
Q2 202582
Q3 202583
Q4 202584
Q1 202680
Q2 202686
Net worth ratio
7.00%11.41%15.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.20%
Q3 202415.83%
Q4 202415.81%
Q1 202515.50%
Q2 202515.10%
Q3 202515.75%
Q4 202515.79%
Q1 202615.48%
Q2 202615.57%
Delinquent loans (60+ days)
0.00%0.46%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.12%
Q4 20240.00%
Q1 20250.00%
Q2 20250.31%
Q3 20250.30%
Q4 20250.34%
Q1 20260.93%
Q2 20260.32%
Return on assets
0.41%0.75%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.45%
Q3 20240.41%
Q4 20240.45%
Q1 20250.75%
Q2 20250.71%
Q3 20250.90%
Q4 20250.98%
Q1 20260.99%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$9.4M15.57%0.32%1.09%83.3%
Q1 202680$9.3M15.48%0.93%0.99%84.5%
Q4 202584$8.9M15.79%0.34%0.98%89.7%
Q3 202583$8.8M15.75%0.30%0.90%96.3%
Q2 202582$9.0M15.10%0.31%0.71%92.1%
Q1 202585$8.7M15.50%0.00%0.75%93.2%
Q4 202482$8.4M15.81%0.00%0.45%100.5%
Q3 202480$8.3M15.83%0.12%0.41%99.7%
Q2 202483$8.6M15.20%0.00%0.45%91.5%

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 ratio15.57%
58th
Problem loans0.32%
67th
Net charge-offs0.04%
64th
Return on assets1.09%
71st
Loans to deposits83.3%
16th
Uninsured deposits0.0%
81st
Loan-loss reserves0.61%
79th
Texas ratio1.4%
59th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Seneca Nation of Indians Federal Credit UnionCredit union Irving, NY75 out of 100, Strong$9.5M13.5%1.43%vs
Division 726 Federal Credit UnionCredit union Staten Island, NY50 out of 100, Below average$8.7M14.8%7.22%vs
Maryvale Schools Federal Credit UnionCredit union Cheektowaga, NY75 out of 100, Strong$10.2M20.0%2.13%vs
Cvph Employees Federal Credit UnionCredit union Plattsburgh, NY70 out of 100, Strong$10.4M10.8%0.04%vs
Mamta Federal Credit UnionCredit union Mamaroneck, NY74 out of 100, Strong$8.3M17.2%1.18%vs
Linton Federal Credit UnionCredit union Tonawanda, NY86 out of 100, Very strong$8.2M20.9%0.44%vs

Deposit insurance

Is my money safe at Plattsburgh City School District Federal Credit Union?

Yes. Plattsburgh City School District Federal Credit Union is a federally insured credit union (NCUA charter #12873). 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 0.0% of shares and deposits ($0) 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 15.57%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Plattsburgh City School District Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Plattsburgh City School District Federal Credit Union
Type
Federal credit union
NCUA charter #
12873
RSSD ID
1089
Primary regulator
NCUA
Established
1959
Headquarters
49 Broad Street, Suite 101, Plattsburgh, NY 12901
Employees
5

Quick answers

Plattsburgh City School District Federal Credit Union: common questions

Is Plattsburgh City School District Federal Credit Union NCUA insured?

Yes. Plattsburgh City School District Federal Credit Union is a federally insured credit union (NCUA charter #12873). 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 Plattsburgh City School District Federal Credit Union's TellerScore?

86 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 Plattsburgh City School District Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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