TellerScore

Servu Federal Credit Union is a federal credit union headquartered in Painted Post, New York, in business for about 70 years. At the end of Q2 2026 it reported $529.2M in total assets and $446.1M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Servu Federal Credit Union scores 86/100, which we describe as very strong. That is higher than 89% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 43rd. Its strongest component is capital cushion (98/100; 14.83%), and its lowest is funding & liquidity (74/100; 86% loans-to-deposits, 4% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Net worth ratio: 14.83%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.47%
Earnings76/100
Return on assets (annualized): 1.40%
Funding & liquidity74/100
Loans ÷ shares: 86.1% · 3.6% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.30%

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 6 points (80 → 86), mostly because the earnings component improved by 21 points.

TellerScore
808386Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202482
Q4 202481
Q1 202581
Q2 202580
Q3 202581
Q4 202582
Q1 202686
Q2 202686
Net worth ratio
7.00%10.96%14.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.33%
Q3 202414.84%
Q4 202414.91%
Q1 202514.54%
Q2 202514.56%
Q3 202514.92%
Q4 202514.77%
Q1 202614.76%
Q2 202614.83%
Delinquent loans (60+ days)
0.46%0.71%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.58%
Q3 20240.95%
Q4 20240.89%
Q1 20250.54%
Q2 20250.68%
Q3 20250.68%
Q4 20250.46%
Q1 20260.55%
Q2 20260.47%
Return on assets
0.84%1.12%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.34%
Q3 20241.38%
Q4 20241.24%
Q1 20250.84%
Q2 20250.88%
Q3 20250.91%
Q4 20250.84%
Q1 20261.39%
Q2 20261.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$529.2M14.83%0.47%1.40%86.1%
Q1 202686$519.0M14.76%0.55%1.39%85.5%
Q4 202582$506.4M14.77%0.46%0.84%85.5%
Q3 202581$495.1M14.92%0.68%0.91%86.1%
Q2 202580$499.3M14.56%0.68%0.88%83.7%
Q1 202581$491.9M14.54%0.54%0.84%82.8%
Q4 202481$473.6M14.91%0.89%1.24%84.8%
Q3 202482$469.3M14.84%0.95%1.38%84.0%
Q2 202484$474.1M14.33%0.58%1.34%82.4%

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 ratio14.83%
84th
Problem loans0.47%
68th
Net charge-offs0.20%
71st
Return on assets1.40%
86th
Loans to deposits86.1%
26th
Uninsured deposits3.6%
75th
Loan-loss reserves0.00%
50th
Texas ratio2.3%
72nd

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Pittsford Federal Credit UnionCredit union Pittsford, NY74 out of 100, Strong$542.3M11.9%0.55%vs
Teg Federal Credit UnionCredit union Poughkeepsie, NY65 out of 100, Moderate$506.5M9.0%0.52%vs
Advantage Federal Credit UnionCredit union Rochester, NY64 out of 100, Moderate$497.5M10.1%0.55%vs
First New York Federal Credit UnionCredit union Albany, NY63 out of 100, Moderate$574.0M9.4%0.48%vs
Suma Federal Credit UnionCredit union Yonkers, NY56 out of 100, Moderate$468.3M12.3%2.19%vs
High Point Federal Credit UnionCredit union Olean, NY87 out of 100, Very strong$430.1M14.3%0.67%vs

Deposit insurance

Is my money safe at Servu Federal Credit Union?

Yes. Servu Federal Credit Union is a federally insured credit union (NCUA charter #10933). 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 3.6% of shares and deposits ($16.1M) 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 14.83%, well 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

Servu Federal Credit Union lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Servu Federal Credit Union reported 598 home-loan applications under HMDA (LEI 5493006MFBT1AI7V3W25): 469 originated ($43,035,000 total), 71 denied, and 42 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.8%, 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
Servu Federal Credit Union
Type
Federal credit union
NCUA charter #
10933
RSSD ID
871282
Primary regulator
NCUA
Established
1956
Headquarters
87 Victory Hwy, Painted Post, NY 14870
Employees
138

Quick answers

Servu Federal Credit Union: common questions

Is Servu Federal Credit Union NCUA insured?

Yes. Servu Federal Credit Union is a federally insured credit union (NCUA charter #10933). 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 Servu Federal Credit Union's TellerScore?

86 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 Servu Federal Credit Union have?

5 offices as of the latest NCUA data.