TellerScore

Port Washington Federal Credit Union (NCUA charter #18635) is based in Port Washington, New York. Its Q2 2026 call report shows $109.9M in total assets and $93.0M in member shares and deposits and 2 offices.

Port Washington Federal Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 198th. Capital cushion contributes the most (100/100, 15.31%); loan quality contributes the least (0/100, 4.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.31%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.28%
Earnings100/100
Return on assets (annualized): 2.17%
Funding & liquidity38/100
Loans ÷ shares: 108.0% · 27.5% uninsured
Problem-loan coverage49/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 25.53%

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 2 points (63 → 61), mostly because the funding & liquidity component weakened by 22 points.

TellerScore
587081Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202481
Q4 202458
Q1 202562
Q2 202563
Q3 202561
Q4 202561
Q1 202661
Q2 202661
Net worth ratio
7.00%12.38%17.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.76%
Q3 202417.05%
Q4 202416.08%
Q1 202516.13%
Q2 202516.05%
Q3 202516.65%
Q4 202516.39%
Q1 202616.02%
Q2 202615.31%
Delinquent loans (60+ days)
1.24%4.38%7.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.71%
Q3 20241.24%
Q4 20245.99%
Q1 20254.33%
Q2 20255.28%
Q3 20257.52%
Q4 20255.31%
Q1 20265.08%
Q2 20264.28%
Return on assets
1.39%1.96%2.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.63%
Q3 20241.75%
Q4 20241.39%
Q1 20251.81%
Q2 20251.99%
Q3 20252.00%
Q4 20251.97%
Q1 20262.53%
Q2 20262.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$109.9M15.31%4.28%2.17%108.0%
Q1 202661$101.6M16.02%5.08%2.53%107.3%
Q4 202561$95.4M16.39%5.31%1.97%106.1%
Q3 202561$90.8M16.65%7.52%2.00%98.1%
Q2 202563$91.3M16.05%5.28%1.99%98.1%
Q1 202562$87.7M16.13%4.33%1.81%103.4%
Q4 202458$85.5M16.08%5.99%1.39%98.7%
Q3 202481$79.8M17.05%1.24%1.75%98.4%
Q2 202467$74.1M17.76%2.71%1.63%96.2%

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 ratio15.31%
87th
Problem loans4.28%
1st
Net charge-offs0.00%
98th
Return on assets2.17%
98th
Loans to deposits108.0%
1st
Uninsured deposits27.5%
1st
Loan-loss reserves0.00%
50th
Texas ratio25.5%
1st

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
American Broadcast Employees Federal Credit UnionCredit union Rockville Centr, NY76 out of 100, Strong$111.5M14.9%1.20%vs
Trunorthern Federal Credit UnionCredit union Malone, NY76 out of 100, Strong$111.7M11.7%0.25%vs
Leatherstocking Region Federal Credit UnionCredit union Cooperstown, NY78 out of 100, Strong$107.7M12.1%0.68%vs
Next Step Federal Credit UnionCredit union Troy, NY63 out of 100, Moderate$107.6M10.1%1.72%vs
Consumers Federal Credit UnionCredit union Brooklyn, NY66 out of 100, Moderate$105.8M11.6%0.07%vs
One Credit Union of NYCredit union Cheektowaga, NY89 out of 100, Very strong$114.4M13.2%0.12%vs

Deposit insurance

Is my money safe at Port Washington Federal Credit Union?

Yes. Port Washington Federal Credit Union is a federally insured credit union (NCUA charter #18635). 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 27.5% of shares and deposits ($25.6M) 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 15.31%, 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

Port Washington Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Port Washington Federal Credit Union
Type
Federal credit union
NCUA charter #
18635
RSSD ID
973382
Primary regulator
NCUA
Established
1968
Headquarters
157 Main St, Port Washington, NY 11050
Employees
10

Quick answers

Port Washington Federal Credit Union: common questions

Is Port Washington Federal Credit Union NCUA insured?

Yes. Port Washington Federal Credit Union is a federally insured credit union (NCUA charter #18635). 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 Port Washington Federal Credit Union's TellerScore?

61 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 Port Washington Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Port Washington

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%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
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%vs
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%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