TellerScore

Secny Federal Credit Union is a federal credit union headquartered in Syracuse, New York, in business for about 55 years. At the end of Q2 2026 it reported $322.7M in total assets and $297.2M in member shares and deposits, with 6 offices across 2 states.

Secny Federal Credit Union has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 219th. Funding & liquidity contributes the most (100/100, 54% loans-to-deposits, 9% uninsured); capital cushion contributes the least (26/100, 7.56%).

TellerScore · Q2 2026

Scorecard

Capital cushion26/100
Net worth ratio: 7.56%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.93%
Earnings37/100
Return on assets (annualized): 0.41%
Funding & liquidity100/100
Loans ÷ shares: 54.0% · 9.4% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.29%

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 3 points (53 → 56), mostly because the loan quality component improved by 8 points.

TellerScore
535556Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202455
Q4 202454
Q1 202556
Q2 202553
Q3 202553
Q4 202556
Q1 202655
Q2 202656
Net worth ratio
7.00%7.37%7.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.44%
Q3 20247.67%
Q4 20247.74%
Q1 20257.70%
Q2 20257.71%
Q3 20257.64%
Q4 20257.56%
Q1 20267.49%
Q2 20267.56%
Delinquent loans (60+ days)
0.87%1.05%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.92%
Q3 20241.07%
Q4 20241.23%
Q1 20250.87%
Q2 20251.17%
Q3 20251.16%
Q4 20250.89%
Q1 20260.88%
Q2 20260.93%
Return on assets
0.19%0.33%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.45%
Q4 20240.46%
Q1 20250.32%
Q2 20250.33%
Q3 20250.31%
Q4 20250.29%
Q1 20260.19%
Q2 20260.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$322.7M7.56%0.93%0.41%54.0%
Q1 202655$318.0M7.49%0.88%0.19%54.1%
Q4 202556$310.4M7.56%0.89%0.29%56.6%
Q3 202553$306.2M7.64%1.16%0.31%57.4%
Q2 202553$307.7M7.71%1.17%0.33%56.7%
Q1 202556$298.3M7.70%0.87%0.32%57.2%
Q4 202454$286.9M7.74%1.23%0.46%59.2%
Q3 202455$284.8M7.67%1.07%0.45%60.1%
Q2 202455$295.1M7.44%0.92%0.41%57.5%

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 ratio7.56%
1st
Problem loans0.93%
34th
Net charge-offs0.34%
52nd
Return on assets0.41%
24th
Loans to deposits54.0%
86th
Uninsured deposits9.4%
20th
Loan-loss reserves0.00%
50th
Texas ratio6.3%
29th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
People'S Alliance Federal Credit UnionCredit union Hauppauge, NY67 out of 100, Moderate$322.2M11.1%0.58%vs
Dannemora Federal Credit UnionCredit union Plattsburgh, NY85 out of 100, Very strong$320.3M14.6%0.51%vs
Access Federal Credit UnionCredit union Clinton, NY70 out of 100, Strong$320.1M9.4%0.89%vs
Actors Federal Credit UnionCredit union New York, NY40 out of 100, Below average$331.3M9.5%2.64%vs
Nassau Financial Federal Credit UnionCredit union East Meadow, NY50 out of 100, Below average$334.4M6.2%0.41%vs
Family First of NY Federal Credit UnionCredit union Rochester, NY66 out of 100, Moderate$345.3M12.0%0.59%vs

Deposit insurance

Is my money safe at Secny Federal Credit Union?

Yes. Secny Federal Credit Union is a federally insured credit union (NCUA charter #20496). 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 9.4% of shares and deposits ($28.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 7.56%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Secny Federal Credit Union lists 6 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Secny Federal Credit Union reported 99 home-loan applications under HMDA (LEI 254900RKU25JCJEP4R59): 76 originated ($11,450,000 total), 9 denied, and 14 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.6%, 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
Secny Federal Credit Union
Type
Federal credit union
NCUA charter #
20496
RSSD ID
552880
Primary regulator
NCUA
Established
1971
Headquarters
4727 West Seneca Turnpike, P.O. Box, Syracuse, NY 13215
Employees
63

Quick answers

Secny Federal Credit Union: common questions

Is Secny Federal Credit Union NCUA insured?

Yes. Secny Federal Credit Union is a federally insured credit union (NCUA charter #20496). 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 Secny Federal Credit Union's TellerScore?

56 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 Secny Federal Credit Union have?

6 offices as of the latest NCUA data, in 2 states.

Nearby

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