TellerScore

Headquartered in Kenmore, New York, Radius Federal Credit Union is a federal credit union with $87.2M in total assets and $75.7M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1942.

Radius Federal Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 40% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 138th. Capital cushion contributes the most (100/100, 15.84%); loan quality contributes the least (17/100, 2.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.84%
Loan quality17/100
Loans 60+ days delinquent ÷ total loans: 2.50%
Earnings65/100
Return on assets (annualized): 1.14%
Funding & liquidity94/100
Loans ÷ shares: 66.5% · 4.3% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.10%

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 9 points (79 → 70), mostly because the loan quality component weakened by 53 points.

TellerScore
707681Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202473
Q4 202470
Q1 202578
Q2 202579
Q3 202581
Q4 202572
Q1 202681
Q2 202670
Net worth ratio
7.00%11.42%15.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.97%
Q3 202413.55%
Q4 202413.67%
Q1 202513.67%
Q2 202514.20%
Q3 202514.68%
Q4 202511.95%
Q1 202615.40%
Q2 202615.84%
Delinquent loans (60+ days)
0.62%1.56%2.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.21%
Q3 20241.39%
Q4 20241.61%
Q1 20250.62%
Q2 20250.90%
Q3 20251.39%
Q4 20251.68%
Q1 20261.13%
Q2 20262.50%
Return on assets
0.67%1.21%1.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.67%
Q3 20241.08%
Q4 20241.03%
Q1 20250.85%
Q2 20251.14%
Q3 20251.52%
Q4 20251.75%
Q1 20261.02%
Q2 20261.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$87.2M15.84%2.50%1.14%66.5%
Q1 202681$87.9M15.40%1.13%1.02%67.3%
Q4 202572$87.0M11.95%1.68%1.75%70.1%
Q3 202581$87.6M14.68%1.39%1.52%72.1%
Q2 202579$65.5M14.20%0.90%1.14%81.6%
Q1 202578$66.4M13.67%0.62%0.85%79.1%
Q4 202470$65.4M13.67%1.61%1.03%79.8%
Q3 202473$65.4M13.55%1.39%1.08%78.7%
Q2 202470$65.9M12.97%1.21%0.67%75.4%

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 ratio15.84%
60th
Problem loans2.50%
16th
Net charge-offs0.35%
35th
Return on assets1.14%
73rd
Loans to deposits66.5%
39th
Uninsured deposits4.3%
25th
Loan-loss reserves0.00%
37th
Texas ratio9.1%
15th

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Great Meadow Federal Credit UnionCredit union Hudson Falls, NY70 out of 100, Strong$84.1M10.4%0.58%vs
Triboro Postal Federal Credit UnionCredit union Flushing, NY54 out of 100, Below average$83.9M20.2%6.65%vs

Deposit insurance

Is my money safe at Radius Federal Credit Union?

Yes. Radius Federal Credit Union is a federally insured credit union (NCUA charter #24715). 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 4.3% of shares and deposits ($3.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.84%, 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

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

  • Angola, NY (1)
  • Kenmore, NY (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Radius Federal Credit Union reported 9 home-loan applications under HMDA (LEI 549300MX0RKEMMAWWU19): 9 originated ($2,425,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Radius Federal Credit Union
Type
Federal credit union
NCUA charter #
24715
RSSD ID
426093
Primary regulator
NCUA
Established
1942
Headquarters
2853 Delaware Ave, Kenmore, NY 14217
Employees
16

Quick answers

Radius Federal Credit Union: common questions

Is Radius Federal Credit Union NCUA insured?

Yes. Radius Federal Credit Union is a federally insured credit union (NCUA charter #24715). 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 Radius Federal Credit Union's TellerScore?

70 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 Radius Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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