TellerScore

Headquartered in Lakewood, New York, Southern Chautauqua Federal Credit Union is a federal credit union with $163.1M in total assets and $134.8M in member shares and deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1954.

Southern Chautauqua Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 82nd. Capital cushion contributes the most (100/100, 17.58%); loan quality contributes the least (46/100, 1.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.58%
Loan quality46/100
Loans 60+ days delinquent ÷ total loans: 1.61%
Earnings85/100
Return on assets (annualized): 1.62%
Funding & liquidity74/100
Loans ÷ shares: 85.9% · 5.3% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.51%

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 fell 7 points (85 → 78), mostly because the loan quality component weakened by 36 points.

TellerScore
768288Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202486
Q4 202488
Q1 202588
Q2 202585
Q3 202583
Q4 202581
Q1 202676
Q2 202678
Net worth ratio
7.00%12.29%17.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.30%
Q3 202416.01%
Q4 202416.43%
Q1 202516.25%
Q2 202516.10%
Q3 202516.83%
Q4 202516.93%
Q1 202613.60%
Q2 202617.58%
Delinquent loans (60+ days)
0.44%1.10%1.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.15%
Q3 20240.77%
Q4 20240.76%
Q1 20250.44%
Q2 20250.53%
Q3 20250.92%
Q4 20251.35%
Q1 20261.75%
Q2 20261.61%
Return on assets
1.30%1.91%2.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.70%
Q3 20241.76%
Q4 20242.00%
Q1 20251.56%
Q2 20251.30%
Q3 20251.51%
Q4 20251.59%
Q1 20262.53%
Q2 20261.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$163.1M17.58%1.61%1.62%85.9%
Q1 202676$166.3M13.60%1.75%2.53%82.9%
Q4 202581$162.3M16.93%1.35%1.59%86.3%
Q3 202583$158.5M16.83%0.92%1.51%89.5%
Q2 202585$161.0M16.10%0.53%1.30%87.5%
Q1 202588$156.9M16.25%0.44%1.56%88.8%
Q4 202488$151.4M16.43%0.76%2.00%92.8%
Q3 202486$148.7M16.01%0.77%1.76%93.9%
Q2 202482$151.2M15.30%1.15%1.70%91.8%

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 ratio17.58%
94th
Problem loans1.61%
11th
Net charge-offs0.63%
24th
Return on assets1.62%
91st
Loans to deposits85.9%
26th
Uninsured deposits5.3%
55th
Loan-loss reserves0.00%
50th
Texas ratio6.5%
28th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
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Inner Lakes Federal Credit UnionCredit union Westfield, NY70 out of 100, Strong$165.9M9.8%0.57%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Tonawanda Valley Federal Credit UnionCredit union Batavia, NY82 out of 100, Strong$170.7M11.1%0.19%vs
Ukrainian National Federal Credit UnionCredit union New York, NY54 out of 100, Below average$155.1M12.8%2.16%vs
Oswego County Federal Credit UnionCredit union Oswego, NY63 out of 100, Moderate$152.5M12.1%2.06%vs

Deposit insurance

Is my money safe at Southern Chautauqua Federal Credit Union?

Yes. Southern Chautauqua Federal Credit Union is a federally insured credit union (NCUA charter #9107). 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 5.3% of shares and deposits ($7.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 17.58%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Southern Chautauqua Federal Credit Union lists 10 offices in 7 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Southern Chautauqua Federal Credit Union
Type
Federal credit union
NCUA charter #
9107
RSSD ID
114082
Primary regulator
NCUA
Established
1954
Headquarters
168 E Fairmount Ave, Lakewood, NY 14750
Employees
85

Quick answers

Southern Chautauqua Federal Credit Union: common questions

Is Southern Chautauqua Federal Credit Union NCUA insured?

Yes. Southern Chautauqua Federal Credit Union is a federally insured credit union (NCUA charter #9107). 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 Southern Chautauqua Federal Credit Union's TellerScore?

78 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.

How many branches does Southern Chautauqua Federal Credit Union have?

10 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lakewood

InstitutionScoreAssetsCapitalProblem loansCompare
Mountain Laurel Federal Credit UnionCredit union Saint Marys, PA99 out of 100, Very strong$174.2M19.7%0.08%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Lake Shore BankBank Dunkirk, NY86 out of 100, Very strong$735.9M17.4%0.25%vs
Corry Federal Credit UnionCredit union Corry, PA86 out of 100, Very strong$115.9M12.5%0.15%vs
Jamestown Area Community Federal Credit UnionCredit union Jamestown, NY84 out of 100, Strong$85.5M11.0%0.02%vs
Tri State Rail Federal Credit UnionCredit union Erie, PA84 out of 100, Strong$19.9M20.0%0.50%vs