TellerScore

Headquartered in Solvay, New York, Salt City Federal Credit Union is a federal credit union with $119.1M in total assets and $107.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1953.

Based on its Q2 2026 filing, Salt City Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 26% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 192nd. Its strongest component is funding & liquidity (92/100; 68% loans-to-deposits, 6% uninsured), and its lowest is capital cushion (40/100; 9.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Net worth ratio: 9.01%
Loan quality74/100
Loans 60+ days delinquent ÷ total loans: 0.78%
Earnings45/100
Return on assets (annualized): 0.62%
Funding & liquidity92/100
Loans ÷ shares: 68.0% · 5.5% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.32%

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 5 points (67 → 62), mostly because the loan quality component weakened by 10 points.

TellerScore
616467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202467
Q1 202567
Q2 202567
Q3 202561
Q4 202562
Q1 202663
Q2 202662
Net worth ratio
7.00%8.30%9.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.94%
Q3 20249.11%
Q4 20249.22%
Q1 20259.17%
Q2 20259.38%
Q3 20259.61%
Q4 20259.47%
Q1 20268.96%
Q2 20269.01%
Delinquent loans (60+ days)
0.34%0.75%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.77%
Q3 20240.84%
Q4 20240.66%
Q1 20250.34%
Q2 20250.49%
Q3 20251.16%
Q4 20251.06%
Q1 20260.52%
Q2 20260.78%
Return on assets
0.37%0.62%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 20240.83%
Q4 20240.87%
Q1 20250.58%
Q2 20250.75%
Q3 20250.78%
Q4 20250.76%
Q1 20260.37%
Q2 20260.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$119.1M9.01%0.78%0.62%68.0%
Q1 202663$117.0M8.96%0.52%0.37%65.8%
Q4 202562$109.5M9.47%1.06%0.76%70.6%
Q3 202561$105.8M9.61%1.16%0.78%72.3%
Q2 202567$106.1M9.38%0.49%0.75%70.0%
Q1 202567$105.9M9.17%0.34%0.58%65.8%
Q4 202467$103.6M9.22%0.66%0.87%63.7%
Q3 202465$102.2M9.11%0.84%0.83%60.1%
Q2 202464$101.1M8.94%0.77%0.73%57.3%

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 ratio9.01%
13th
Problem loans0.78%
43rd
Net charge-offs0.34%
52nd
Return on assets0.62%
40th
Loans to deposits68.0%
64th
Uninsured deposits5.5%
54th
Loan-loss reserves0.00%
50th
Texas ratio5.3%
36th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Community Resource Federal Credit UnionCredit union Latham, NY65 out of 100, Moderate$120.3M12.1%0.83%vs
One Credit Union of NYCredit union Cheektowaga, NY89 out of 100, Very strong$114.4M13.2%0.12%vs
Auburn Community Federal Credit UnionCredit union Auburn, NY83 out of 100, Strong$126.5M12.3%0.08%vs
Trunorthern Federal Credit UnionCredit union Malone, NY76 out of 100, Strong$111.7M11.7%0.25%vs
American Broadcast Employees Federal Credit UnionCredit union Rockville Centr, NY76 out of 100, Strong$111.5M14.9%1.20%vs
Port Washington Federal Credit UnionCredit union Port Washington, NY61 out of 100, Moderate$109.9M15.3%4.28%vs

Deposit insurance

Is my money safe at Salt City Federal Credit Union?

Yes. Salt City Federal Credit Union is a federally insured credit union (NCUA charter #8512). 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 5.5% of shares and deposits ($5.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.01%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Salt City Federal Credit Union
Type
Federal credit union
NCUA charter #
8512
RSSD ID
242387
Primary regulator
NCUA
Established
1953
Headquarters
PO Box 188, Solvay, NY 13209
Employees
23

Quick answers

Salt City Federal Credit Union: common questions

Is Salt City Federal Credit Union NCUA insured?

Yes. Salt City Federal Credit Union is a federally insured credit union (NCUA charter #8512). 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 Salt City Federal Credit Union's TellerScore?

62 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 Salt City Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Compass Federal Credit UnionCredit union Oswego, NY89 out of 100, Very strong$101.5M15.3%0.46%vs
Fulton Savings BankBank Fulton, NY88 out of 100, Very strong$492.3M31.4%0.70%vs
Crouse Hinds Employees Federal Credit UnionCredit union Syracuse, NY84 out of 100, Strong$6.9M12.1%0.13%vs
Auburn Community Federal Credit UnionCredit union Auburn, NY83 out of 100, Strong$126.5M12.3%0.08%vs