TellerScore

Headquartered in Rome, New York, Rome Federal Credit Union is a federal credit union with $33.5M in total assets and $29.9M in member shares and deposits as of Q2 2026. Its charter dates back to 1936.

Based on its Q2 2026 filing, Rome Federal Credit Union scores 58/100, which we describe as moderate. That is higher than only 19% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 211th. Its strongest component is funding & liquidity (99/100; 51% loans-to-deposits, 16% uninsured), and its lowest is loan quality (36/100; 1.91%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.70%
Loan quality36/100
Loans 60+ days delinquent ÷ total loans: 1.91%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity99/100
Loans ÷ shares: 50.6% · 16.4% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.63%

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 11 points (47 → 58), mostly because the loan quality component improved by 36 points.

TellerScore
465768Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202468
Q4 202456
Q1 202546
Q2 202547
Q3 202551
Q4 202550
Q1 202651
Q2 202658
Net worth ratio
7.00%9.25%11.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.49%
Q3 202411.05%
Q4 202411.09%
Q1 202510.94%
Q2 202510.83%
Q3 202511.08%
Q4 202511.05%
Q1 202610.88%
Q2 202610.70%
Delinquent loans (60+ days)
1.18%2.71%4.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.18%
Q3 20241.18%
Q4 20242.51%
Q1 20253.29%
Q2 20254.24%
Q3 20253.52%
Q4 20253.21%
Q1 20262.30%
Q2 20261.91%
Return on assets
0.16%0.54%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.86%
Q3 20240.88%
Q4 20240.91%
Q1 20250.26%
Q2 20250.59%
Q3 20250.85%
Q4 20250.71%
Q1 20260.16%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$33.5M10.70%1.91%0.58%50.6%
Q1 202651$32.2M10.88%2.30%0.16%52.3%
Q4 202550$31.6M11.05%3.21%0.71%54.9%
Q3 202551$31.3M11.08%3.52%0.85%56.9%
Q2 202547$31.0M10.83%4.24%0.59%58.0%
Q1 202546$30.0M10.94%3.29%0.26%57.8%
Q4 202456$29.5M11.09%2.51%0.91%59.3%
Q3 202468$28.9M11.05%1.18%0.88%61.0%
Q2 202459$27.2M11.49%2.18%0.86%66.0%

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 ratio10.70%
21st
Problem loans1.91%
22nd
Net charge-offs0.71%
20th
Return on assets0.58%
46th
Loans to deposits50.6%
63rd
Uninsured deposits16.4%
2nd
Loan-loss reserves0.00%
37th
Texas ratio8.6%
16th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Gowanda Area Federal Credit UnionCredit union Gowanda, NY99 out of 100, Very strong$33.5M16.1%0.00%vs
Medisys Employees Federal Credit UnionCredit union Jamaica, NY69 out of 100, Moderate$33.3M9.5%0.70%vs
Academic Federal Credit UnionCredit union Briarcliff Mano, NY71 out of 100, Strong$33.7M11.4%1.34%vs
O and R Utilities Employees Federal Credit UnionCredit union Monroe, NY64 out of 100, Moderate$34.7M11.9%0.94%vs
Ed-Med Federal Credit UnionCredit union Ogdensburg, NY76 out of 100, Strong$34.7M12.5%1.08%vs
Chen-Del-O Federal Credit UnionCredit union Franklin, NY85 out of 100, Very strong$34.9M12.9%0.48%vs

Deposit insurance

Is my money safe at Rome Federal Credit Union?

Yes. Rome Federal Credit Union is a federally insured credit union (NCUA charter #1810). 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 16.4% of shares and deposits ($4.9M) 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 10.70%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Rome Federal Credit Union
Type
Federal credit union
NCUA charter #
1810
RSSD ID
267670
Primary regulator
NCUA
Established
1936
Headquarters
937 Seneca St, Rome, NY 13440
Employees
8

Quick answers

Rome Federal Credit Union: common questions

Is Rome Federal Credit Union NCUA insured?

Yes. Rome Federal Credit Union is a federally insured credit union (NCUA charter #1810). 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 Rome Federal Credit Union's TellerScore?

58 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.