Sidney Federal Credit Union is a federal credit union headquartered in Sidney, New York, in business for about 77 years. At the end of Q2 2026 it reported $1.3B in total assets and $1.1B in member shares and deposits, with 10 offices.
Based on its Q2 2026 filing, Sidney Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 47% of 454 credit unions with $1 billion – $10 billion. Among 268 credit unions headquartered in New York, it ranks 156th. Its strongest component is problem-loan coverage (86/100; 7.0%), and its lowest is capital cushion (55/100; 10.50%).
TellerScore · Q2 2026
Scorecard
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 5 points (62 → 67), mostly because the earnings component improved by 13 points.
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| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 63 |
| Q4 2024 | 62 |
| Q1 2025 | 63 |
| Q2 2025 | 62 |
| Q3 2025 | 63 |
| Q4 2025 | 64 |
| Q1 2026 | 68 |
| Q2 2026 | 67 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.81% |
| Q3 2024 | 10.70% |
| Q4 2024 | 10.56% |
| Q1 2025 | 10.48% |
| Q2 2025 | 10.28% |
| Q3 2025 | 10.10% |
| Q4 2025 | 10.29% |
| Q1 2026 | 10.13% |
| Q2 2026 | 10.50% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.80% |
| Q3 2024 | 0.84% |
| Q4 2024 | 1.00% |
| Q1 2025 | 0.98% |
| Q2 2025 | 0.95% |
| Q3 2025 | 0.81% |
| Q4 2025 | 1.13% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.85% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.68% |
| Q1 2025 | 0.95% |
| Q2 2025 | 0.90% |
| Q3 2025 | 0.94% |
| Q4 2025 | 1.29% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $1.3B | 10.50% | 0.85% | 1.23% | 90.1% |
| Q1 2026 | 68 | $1.3B | 10.13% | 0.72% | 1.31% | 87.5% |
| Q4 2025 | 64 | $1.2B | 10.29% | 1.13% | 1.29% | 93.5% |
| Q3 2025 | 63 | $1.2B | 10.10% | 0.81% | 0.94% | 96.0% |
| Q2 2025 | 62 | $1.1B | 10.28% | 0.95% | 0.90% | 95.1% |
| Q1 2025 | 63 | $1.1B | 10.48% | 0.98% | 0.95% | 93.6% |
| Q4 2024 | 62 | $1.0B | 10.56% | 1.00% | 0.68% | 91.3% |
| Q3 2024 | 63 | $1.0B | 10.70% | 0.84% | 0.60% | 90.6% |
| Q2 2024 | 64 | $990.9M | 10.81% | 0.80% | 0.53% | 86.3% |
454 peers · $1 billion – $10 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).
Similar-size credit unions in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Island Federal Credit UnionCredit union Hauppauge, NY | 60 out of 100, Moderate | $1.3B | 10.4% | 1.10% | vs |
| Sunmark Credit UnionCredit union Albany, NY | 56 out of 100, Moderate | $1.2B | 9.5% | 1.37% | vs |
| Quorum Federal Credit UnionCredit union Purchase, NY | 59 out of 100, Moderate | $1.4B | 9.8% | 1.74% | vs |
| First Source Federal Credit UnionCredit union New Hartford, NY | 59 out of 100, Moderate | $1.1B | 10.3% | 1.03% | vs |
| The Summit Federal Credit UnionCredit union Rochester, NY | 72 out of 100, Strong | $1.5B | 11.3% | 0.34% | vs |
| Beginnings Credit UnionCredit union Ithaca, NY | 77 out of 100, Strong | $1.5B | 14.0% | 0.69% | vs |
Deposit insurance
Is my money safe at Sidney Federal Credit Union?
Yes. Sidney Federal Credit Union is a federally insured credit union (NCUA charter #6011). 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 6.9% of shares and deposits ($78.4M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 10.50%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
10 locations
Branches
Sidney Federal Credit Union lists 10 offices in 9 cities. Most locations:
- Oneonta, NY (2)
- Bainbridge, NY (1)
- Cicero, NY (1)
- Delhi, NY (1)
- Greene, NY (1)
- Hancock, NY (1)
- Liverpool, NY (1)
- Sidney, NY (1)
- Walton, NY (1)
HMDA 2025
Mortgage lending
In 2025, Sidney Federal Credit Union reported 1,422 home-loan applications under HMDA (LEI 254900641GGR26VXNC67): 1,069 originated ($231,425,000 total), 182 denied, and 110 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.9%, 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
- Sidney Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 6011
- RSSD ID
- 508177
- Primary regulator
- NCUA
- Established
- 1949
- Headquarters
- 42 Union St, Sidney, NY 13838
- Employees
- 235
Quick answers
Sidney Federal Credit Union: common questions
Is Sidney Federal Credit Union NCUA insured?
Yes. Sidney Federal Credit Union is a federally insured credit union (NCUA charter #6011). 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 Sidney Federal Credit Union's TellerScore?
67 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 Sidney Federal Credit Union have?
10 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Sidney
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Chen-Del-O Federal Credit UnionCredit union Franklin, NY | 85 out of 100, Very strong | $34.9M | 12.9% | 0.48% | vs |
| NBT Bank, National AssociationBank Norwich, NY | 64 out of 100, Moderate | $16.1B | 9.5% | 0.55% | vs |
| Visions Federal Credit UnionCredit union Endicott, NY | 64 out of 100, Moderate | $5.5B | 10.0% | 0.89% | vs |
| KeyBank National AssociationBank Cleveland, OH | 63 out of 100, Moderate | $188.6B | 9.9% | 0.86% | vs |
| Community Bank, National AssociationBank Canton, NY | 62 out of 100, Moderate | $17.4B | 7.9% | 0.50% | vs |
| Broadview Federal Credit UnionCredit union Albany, NY | 59 out of 100, Moderate | $9.4B | 9.0% | 0.80% | vs |