TellerScore

Saint Lawrence Federal Credit Union (NCUA charter #9871) is based in Ogdensburg, New York. Its Q2 2026 call report shows $272.3M in total assets and $239.3M in member shares and deposits and 5 offices.

Saint Lawrence Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 123rd. Problem-loan coverage contributes the most (93/100, 3.5%); earnings contributes the least (53/100, 0.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.47%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.54%
Earnings53/100
Return on assets (annualized): 0.82%
Funding & liquidity81/100
Loans ÷ shares: 79.5% · 3.0% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.46%

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 (72 → 72).

TellerScore
666972Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202468
Q4 202466
Q1 202569
Q2 202572
Q3 202570
Q4 202570
Q1 202668
Q2 202672
Net worth ratio
7.00%9.41%11.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.02%
Q3 202411.08%
Q4 202411.39%
Q1 202511.78%
Q2 202511.82%
Q3 202511.76%
Q4 202511.65%
Q1 202611.40%
Q2 202611.47%
Delinquent loans (60+ days)
0.54%0.83%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.82%
Q3 20240.80%
Q4 20241.01%
Q1 20251.11%
Q2 20250.80%
Q3 20250.95%
Q4 20250.89%
Q1 20260.73%
Q2 20260.54%
Return on assets
0.57%0.81%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.84%
Q4 20240.78%
Q1 20251.03%
Q2 20251.05%
Q3 20251.03%
Q4 20250.95%
Q1 20260.57%
Q2 20260.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$272.3M11.47%0.54%0.82%79.5%
Q1 202668$267.7M11.40%0.73%0.57%80.8%
Q4 202570$258.6M11.65%0.89%0.95%81.3%
Q3 202570$252.3M11.76%0.95%1.03%82.4%
Q2 202572$245.4M11.82%0.80%1.05%80.0%
Q1 202569$240.7M11.78%1.11%1.03%82.0%
Q4 202466$243.5M11.39%1.01%0.78%82.9%
Q3 202468$247.8M11.08%0.80%0.84%80.9%
Q2 202466$242.0M11.02%0.82%0.65%83.7%

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 ratio11.47%
50th
Problem loans0.54%
61st
Net charge-offs0.08%
87th
Return on assets0.82%
55th
Loans to deposits79.5%
41st
Uninsured deposits3.0%
81st
Loan-loss reserves0.00%
50th
Texas ratio3.5%
56th

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Ghs Federal Credit UnionCredit union Binghamton, NY46 out of 100, Below average$252.7M9.7%4.90%vs
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Deposit insurance

Is my money safe at Saint Lawrence Federal Credit Union?

Yes. Saint Lawrence Federal Credit Union is a federally insured credit union (NCUA charter #9871). 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 3.0% of shares and deposits ($7.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.47%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Saint Lawrence Federal Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Saint Lawrence Federal Credit Union
Type
Federal credit union
NCUA charter #
9871
RSSD ID
33080
Primary regulator
NCUA
Established
1954
Headquarters
800 Commerce Park Dr, Ogdensburg, NY 13669
Employees
61

Quick answers

Saint Lawrence Federal Credit Union: common questions

Is Saint Lawrence Federal Credit Union NCUA insured?

Yes. Saint Lawrence Federal Credit Union is a federally insured credit union (NCUA charter #9871). 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 Saint Lawrence Federal Credit Union's TellerScore?

72 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 Saint Lawrence Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Ogdensburg

InstitutionScoreAssetsCapitalProblem loansCompare
Sea Comm Federal Credit UnionCredit union Massena, NY89 out of 100, Very strong$777.3M18.0%0.63%vs
The North Country Savings BankBank Canton, NY78 out of 100, Strong$373.5M14.5%0.82%vs
Ed-Med Federal Credit UnionCredit union Ogdensburg, NY76 out of 100, Strong$34.7M12.5%1.08%vs
Massena Savings and LoanBank Massena, NY73 out of 100, Strong$199.9M15.1%1.30%vs
NBT Bank, National AssociationBank Norwich, NY64 out of 100, Moderate$16.1B9.5%0.55%vs
KeyBank National AssociationBank Cleveland, OH63 out of 100, Moderate$188.6B9.9%0.86%vs