TellerScore

Headquartered in Spencerport, New York, Spencerport Federal Credit Union is a federal credit union with $43.1M in total assets and $39.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1962.

Spencerport Federal Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 40% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 140th. Funding & liquidity contributes the most (100/100, 58% loans-to-deposits, 0% uninsured); capital cushion contributes the least (43/100, 9.27%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.27%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.49%
Earnings60/100
Return on assets (annualized): 0.99%
Funding & liquidity100/100
Loans ÷ shares: 57.6% · 0.4% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.75%

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 8 points (62 → 70), mostly because the loan quality component improved by 11 points.

TellerScore
566370Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202466
Q4 202465
Q1 202559
Q2 202562
Q3 202556
Q4 202556
Q1 202665
Q2 202670
Net worth ratio
7.00%8.15%9.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.98%
Q3 20248.57%
Q4 20248.43%
Q1 20258.35%
Q2 20258.53%
Q3 20258.81%
Q4 20259.30%
Q1 20269.10%
Q2 20269.27%
Delinquent loans (60+ days)
0.49%1.14%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.51%
Q3 20240.61%
Q4 20240.67%
Q1 20250.96%
Q2 20250.81%
Q3 20251.67%
Q4 20251.79%
Q1 20260.74%
Q2 20260.49%
Return on assets
0.53%0.76%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.67%
Q3 20240.88%
Q4 20240.82%
Q1 20250.53%
Q2 20250.77%
Q3 20250.79%
Q4 20250.76%
Q1 20260.74%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$43.1M9.27%0.49%0.99%57.6%
Q1 202665$42.7M9.10%0.74%0.74%57.1%
Q4 202556$41.3M9.30%1.79%0.76%59.1%
Q3 202556$40.3M8.81%1.67%0.79%60.3%
Q2 202562$40.6M8.53%0.81%0.77%59.2%
Q1 202559$40.3M8.35%0.96%0.53%56.7%
Q4 202465$39.6M8.43%0.67%0.82%55.0%
Q3 202466$38.1M8.57%0.61%0.88%59.4%
Q2 202463$39.4M7.98%0.51%0.67%57.3%

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 ratio9.27%
11th
Problem loans0.49%
59th
Net charge-offs0.25%
43rd
Return on assets0.99%
67th
Loans to deposits57.6%
52nd
Uninsured deposits0.4%
59th
Loan-loss reserves0.00%
37th
Texas ratio2.8%
44th

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Parks Heritage Federal Credit UnionCredit union Glens Falls, NY90 out of 100, Very strong$42.3M16.6%0.28%vs
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Deposit insurance

Is my money safe at Spencerport Federal Credit Union?

Yes. Spencerport Federal Credit Union is a federally insured credit union (NCUA charter #14884). 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 0.4% of shares and deposits ($138K) 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 9.27%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Spencerport Federal Credit Union lists 1 office in 1 city. Most locations:

  • Spencerport, NY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Spencerport Federal Credit Union
Type
Federal credit union
NCUA charter #
14884
RSSD ID
852384
Primary regulator
NCUA
Established
1962
Headquarters
PO Box 86, Spencerport, NY 14559
Employees
9

Quick answers

Spencerport Federal Credit Union: common questions

Is Spencerport Federal Credit Union NCUA insured?

Yes. Spencerport Federal Credit Union is a federally insured credit union (NCUA charter #14884). 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 Spencerport Federal Credit Union's TellerScore?

70 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 Spencerport Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Spencerport

InstitutionScoreAssetsCapitalProblem loansCompare
Finger Lakes Federal Credit UnionCredit union Geneva, NY96 out of 100, Very strong$259.5M15.1%0.10%vs
ESL Federal Credit UnionCredit union Rochester, NY90 out of 100, Very strong$10.8B16.4%0.90%vs
Le Roy Federal Credit UnionCredit union Le Roy, NY86 out of 100, Very strong$21.1M11.4%0.37%vs
Westside Community Federal Credit UnionCredit union Churchville, NY84 out of 100, Strong$25.7M11.0%0.00%vs
Greece Community Federal Credit UnionCredit union Rochester, NY83 out of 100, Strong$13.0M12.3%0.05%vs
Tonawanda Valley Federal Credit UnionCredit union Batavia, NY82 out of 100, Strong$170.7M11.1%0.19%vs