TellerScore

Scf Westchester N. Y. Employees Federal Credit Union is a federal credit union headquartered in White Plains, New York, in business for about 53 years. At the end of Q2 2026 it reported $1.5M in total assets and $1.2M in member shares and deposits, with 2 offices.

Scf Westchester N. Y. Employees Federal Credit Union has a TellerScore of 93 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 17th. Capital cushion contributes the most (100/100, 23.76%); earnings contributes the least (70/100, 1.26%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.76%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.18%
Earnings70/100
Return on assets (annualized): 1.26%
Funding & liquidity100/100
Loans ÷ shares: 36.6% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.21%

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 19 points (74 → 93), mostly because the loan quality component improved by 94 points.

TellerScore
577593Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202465
Q4 202457
Q1 202574
Q2 202574
Q3 202574
Q4 202565
Q1 202666
Q2 202693
Net worth ratio
7.00%15.38%23.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202420.01%
Q3 202421.21%
Q4 202421.25%
Q1 202522.27%
Q2 202520.25%
Q3 202520.74%
Q4 202520.76%
Q1 202622.70%
Q2 202623.76%
Delinquent loans (60+ days)
0.18%4.31%8.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20248.43%
Q3 20243.02%
Q4 20243.81%
Q1 20253.82%
Q2 20258.00%
Q3 20255.21%
Q4 20254.80%
Q1 20263.22%
Q2 20260.18%
Return on assets
-0.07%3.40%6.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.29%
Q3 20240.88%
Q4 2024-0.07%
Q1 20256.86%
Q2 20253.47%
Q3 20252.40%
Q4 20250.89%
Q1 20260.96%
Q2 20261.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$1.5M23.76%0.18%1.26%36.6%
Q1 202666$1.6M22.70%3.22%0.96%36.4%
Q4 202565$1.7M20.76%4.80%0.89%34.4%
Q3 202574$1.8M20.74%5.21%2.40%32.7%
Q2 202574$1.8M20.25%8.00%3.47%23.5%
Q1 202574$1.7M22.27%3.82%6.86%30.1%
Q4 202457$1.6M21.25%3.81%-0.07%36.5%
Q3 202465$1.7M21.21%3.02%0.88%32.3%
Q2 202468$1.8M20.01%8.43%1.29%28.0%

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 ratio23.76%
87th
Problem loans0.18%
75th
Net charge-offs0.00%
77th
Return on assets1.26%
78th
Loans to deposits36.6%
83rd
Uninsured deposits0.0%
81st
Loan-loss reserves3.45%
94th
Texas ratio0.2%
81st

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Bykota Federal Credit UnionCredit union Brooklyn, NY44 out of 100, Below average$1.6M6.1%33.30%vs
New York Episcopal Federal Credit UnionCredit union New York, NY100 out of 100, Very strong$1.4M16.1%0.00%vs
St. Philip'S Church Federal Credit UnionCredit union New York, NY74 out of 100, Strong$1.3M35.5%10.67%vs
Latvian Federal Credit UnionCredit union Melville, NY88 out of 100, Very strong$1.8M25.3%0.00%vs
Akron School Employees Federal Credit UnionCredit union Akron, NY87 out of 100, Very strong$1.2M20.9%0.00%vs
St. John United Federal Credit UnionCredit union Buffalo, NY41 out of 100, Below average$1.1M10.8%4.62%vs

Deposit insurance

Is my money safe at Scf Westchester N. Y. Employees Federal Credit Union?

Yes. Scf Westchester N. Y. Employees Federal Credit Union is a federally insured credit union (NCUA charter #21231). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 23.76%, 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

Scf Westchester N. Y. Employees Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Scf Westchester N. Y. Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
21231
RSSD ID
228082
Primary regulator
NCUA
Established
1973
Headquarters
1000 Westchester Ave, White Plains, NY 10610
Employees
3

Quick answers

Scf Westchester N. Y. Employees Federal Credit Union: common questions

Is Scf Westchester N. Y. Employees Federal Credit Union NCUA insured?

Yes. Scf Westchester N. Y. Employees Federal Credit Union is a federally insured credit union (NCUA charter #21231). 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 Scf Westchester N. Y. Employees Federal Credit Union's TellerScore?

93 out of 100 (Very 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 Scf Westchester N. Y. Employees Federal Credit Union have?

2 offices as of the latest NCUA data.