TellerScore

Headquartered in Irving, New York, Seneca Nation of Indians Federal Credit Union is a federal credit union with $9.5M in total assets and $8.2M in member shares and deposits as of Q2 2026. Its charter dates back to 2015.

Seneca Nation of Indians Federal Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 52% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 105th. Funding & liquidity contributes the most (97/100, 63% loans-to-deposits, 4% uninsured); loan quality contributes the least (52/100, 1.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Net worth ratio: 13.47%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.43%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity97/100
Loans ÷ shares: 62.9% · 4.2% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.78%

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 24 points (51 → 75), mostly because the loan quality component improved by 46 points.

TellerScore
506375Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202465
Q4 202464
Q1 202550
Q2 202551
Q3 202551
Q4 202568
Q1 202666
Q2 202675
Net worth ratio
7.00%10.66%14.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.05%
Q3 202412.34%
Q4 202412.99%
Q1 202512.03%
Q2 202512.37%
Q3 202512.19%
Q4 202514.32%
Q1 202612.76%
Q2 202613.47%
Delinquent loans (60+ days)
0.91%2.14%3.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.86%
Q3 20242.70%
Q4 20243.20%
Q1 20252.78%
Q2 20252.81%
Q3 20252.85%
Q4 20253.36%
Q1 20260.91%
Q2 20261.43%
Return on assets
-0.38%2.42%5.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20245.23%
Q3 20243.84%
Q4 20243.60%
Q1 20250.14%
Q2 20250.33%
Q3 20250.51%
Q4 20252.19%
Q1 2026-0.38%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$9.5M13.47%1.43%1.09%62.9%
Q1 202666$9.8M12.76%0.91%-0.38%61.9%
Q4 202568$8.6M14.32%3.36%2.19%74.0%
Q3 202551$8.8M12.19%2.85%0.51%71.8%
Q2 202551$8.6M12.37%2.81%0.33%69.5%
Q1 202550$8.7M12.03%2.78%0.14%65.6%
Q4 202464$8.0M12.99%3.20%3.60%72.5%
Q3 202465$8.0M12.34%2.70%3.84%72.5%
Q2 202463$8.0M12.05%2.86%5.23%73.5%

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 ratio13.47%
43rd
Problem loans1.43%
30th
Net charge-offs0.41%
31st
Return on assets1.09%
71st
Loans to deposits62.9%
43rd
Uninsured deposits4.2%
27th
Loan-loss reserves0.00%
37th
Texas ratio5.8%
25th

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Deposit insurance

Is my money safe at Seneca Nation of Indians Federal Credit Union?

Yes. Seneca Nation of Indians Federal Credit Union is a federally insured credit union (NCUA charter #24863). 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 4.2% of shares and deposits ($342K) 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 13.47%, well 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
Seneca Nation of Indians Federal Credit Union
Type
Federal credit union
NCUA charter #
24863
RSSD ID
4874076
Primary regulator
NCUA
Established
2015
Headquarters
12837 Route 438, Irving, NY 14081
Employees
4

Quick answers

Seneca Nation of Indians Federal Credit Union: common questions

Is Seneca Nation of Indians Federal Credit Union NCUA insured?

Yes. Seneca Nation of Indians Federal Credit Union is a federally insured credit union (NCUA charter #24863). 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 Seneca Nation of Indians Federal Credit Union's TellerScore?

75 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.