Special Metals Federal Credit Union (NCUA charter #14522) is based in New Hartford, New York. Its Q2 2026 call report shows $22.1M in total assets and $19.5M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Special Metals Federal Credit Union scores 60/100, which we describe as moderate. That is higher than only 22% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 205th. Its strongest component is funding & liquidity (100/100; 56% loans-to-deposits, 0% uninsured), and its lowest is earnings (3/100; -0.42%).
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 9 points (51 → 60), mostly because the problem-loan coverage component improved by 66 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 52 |
| Q4 2024 | 55 |
| Q1 2025 | 57 |
| Q2 2025 | 51 |
| Q3 2025 | 56 |
| Q4 2025 | 56 |
| Q1 2026 | 57 |
| Q2 2026 | 60 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.35% |
| Q3 2024 | 13.13% |
| Q4 2024 | 13.54% |
| Q1 2025 | 13.02% |
| Q2 2025 | 12.95% |
| Q3 2025 | 12.63% |
| Q4 2025 | 11.96% |
| Q1 2026 | 10.85% |
| Q2 2026 | 11.75% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.03% |
| Q3 2024 | 2.82% |
| Q4 2024 | 2.71% |
| Q1 2025 | 3.25% |
| Q2 2025 | 7.54% |
| Q3 2025 | 1.68% |
| Q4 2025 | 1.58% |
| Q1 2026 | 1.11% |
| Q2 2026 | 1.18% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.89% |
| Q4 2024 | 0.68% |
| Q1 2025 | 1.23% |
| Q2 2025 | 0.97% |
| Q3 2025 | -0.40% |
| Q4 2025 | -0.56% |
| Q1 2026 | -1.43% |
| Q2 2026 | -0.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $22.1M | 11.75% | 1.18% | -0.42% | 56.2% |
| Q1 2026 | 57 | $23.6M | 10.85% | 1.11% | -1.43% | 54.3% |
| Q4 2025 | 56 | $22.2M | 11.96% | 1.58% | -0.56% | 64.0% |
| Q3 2025 | 56 | $21.5M | 12.63% | 1.68% | -0.40% | 71.9% |
| Q2 2025 | 51 | $22.2M | 12.95% | 7.54% | 0.97% | 74.9% |
| Q1 2025 | 57 | $21.8M | 13.02% | 3.25% | 1.23% | 77.8% |
| Q4 2024 | 55 | $20.5M | 13.54% | 2.71% | 0.68% | 88.0% |
| Q3 2024 | 52 | $14.2M | 13.13% | 2.82% | 0.89% | 93.1% |
| Q2 2024 | 66 | $14.7M | 12.35% | 1.03% | 0.63% | 93.2% |
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).
Similar-size credit unions in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Niagara Falls a F Federal Credit UnionCredit union Niagara Falls, NY | 76 out of 100, Strong | $22.0M | 11.3% | 0.23% | vs |
| Local 804 Federal Credit UnionCredit union Port Washington, NY | 70 out of 100, Strong | $22.5M | 30.7% | 3.71% | vs |
| Coopers Cave Federal Credit UnionCredit union Glens Falls, NY | 63 out of 100, Moderate | $21.6M | 8.3% | 0.81% | vs |
| Niagara-Wheatfield Federal Credit UnionCredit union Sanborn, NY | 50 out of 100, Below average | $21.4M | 10.7% | 4.03% | vs |
| Le Roy Federal Credit UnionCredit union Le Roy, NY | 86 out of 100, Very strong | $21.1M | 11.4% | 0.37% | vs |
| Encompass Niagara Federal Credit UnionCredit union Niagara Falls, NY | 48 out of 100, Below average | $23.2M | 11.9% | 2.38% | vs |
Deposit insurance
Is my money safe at Special Metals Federal Credit Union?
Yes. Special Metals Federal Credit Union is a federally insured credit union (NCUA charter #14522). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 11.75%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Special Metals Federal Credit Union lists 1 office in 1 city. Most locations:
- New Hartford, NY (1)
Identity & history
Profile
- Legal name
- Special Metals Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 14522
- RSSD ID
- 1009587
- Primary regulator
- NCUA
- Established
- 1961
- Headquarters
- 4340 Middle Settlement Rd, New Hartford, NY 13413
- Employees
- 6
Quick answers
Special Metals Federal Credit Union: common questions
Is Special Metals Federal Credit Union NCUA insured?
Yes. Special Metals Federal Credit Union is a federally insured credit union (NCUA charter #14522). 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 Special Metals Federal Credit Union's TellerScore?
60 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 Special Metals Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near New Hartford
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of UticaBank Utica, NY | 92 out of 100, Very strong | $1.5B | 26.5% | 0.59% | vs |
| Remington Federal Credit UnionCredit union Ilion, NY | 88 out of 100, Very strong | $59.9M | 15.1% | 0.76% | vs |
| Utica District Telephone Employees Federal Credit UnionCredit union Utica, NY | 82 out of 100, Strong | $40.3M | 31.9% | 0.83% | vs |
| Mohawk Valley Federal Credit UnionCredit union Marcy, NY | 80 out of 100, Strong | $61.9M | 12.9% | 0.86% | vs |
| G.P.O. Federal Credit UnionCredit union New Hartford, NY | 79 out of 100, Strong | $629.8M | 11.7% | 0.39% | vs |
| Utica Gas & Electric Emp Federal Credit UnionCredit union New Hartford, NY | 73 out of 100, Strong | $135.9M | 16.7% | 1.72% | vs |