TellerScore

St. Philip'S Church Federal Credit Union is a federal credit union headquartered in New York, New York, in business for about 75 years. At the end of Q2 2026 it reported $1.3M in total assets and $799K in member shares and deposits, with 2 offices.

St. Philip'S Church Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than only 49% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 110th. Capital cushion contributes the most (100/100, 35.45%); loan quality contributes the least (0/100, 10.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 35.45%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 10.67%
Earnings100/100
Return on assets (annualized): 3.37%
Funding & liquidity100/100
Loans ÷ shares: 15.9% · 0.0% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.91%

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 10 points (64 → 74), mostly because the earnings component improved by 50 points.

TellerScore
586674Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202466
Q4 202468
Q1 202558
Q2 202564
Q3 202565
Q4 202564
Q1 202668
Q2 202674
Net worth ratio
7.00%21.23%35.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202431.20%
Q3 202432.07%
Q4 202433.17%
Q1 202533.13%
Q2 202533.43%
Q3 202533.57%
Q4 202533.82%
Q1 202634.04%
Q2 202635.45%
Delinquent loans (60+ days)
10.67%18.37%26.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 202421.76%
Q3 202418.80%
Q4 202426.07%
Q1 202523.65%
Q2 202523.65%
Q3 202523.92%
Q4 202510.93%
Q1 202611.49%
Q2 202610.67%
Return on assets
-0.02%1.67%3.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.02%
Q3 20240.97%
Q4 20241.15%
Q1 2025-0.02%
Q2 20250.74%
Q3 20250.83%
Q4 20250.69%
Q1 20261.21%
Q2 20263.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$1.3M35.45%10.67%3.37%15.9%
Q1 202668$1.3M34.04%11.49%1.21%14.5%
Q4 202564$1.3M33.82%10.93%0.69%15.3%
Q3 202565$1.3M33.57%23.92%0.83%6.9%
Q2 202564$1.3M33.43%23.65%0.74%7.3%
Q1 202558$1.3M33.13%23.65%-0.02%7.3%
Q4 202468$1.3M33.17%26.07%1.15%6.9%
Q3 202466$1.3M32.07%18.80%0.97%7.1%
Q2 202467$1.3M31.20%21.76%1.02%7.7%

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 ratio35.45%
96th
Problem loans10.67%
2nd
Net charge-offs0.00%
77th
Return on assets3.37%
99th
Loans to deposits15.9%
97th
Uninsured deposits0.0%
81st
Loan-loss reserves13.95%
99th
Texas ratio2.9%
43rd

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Deposit insurance

Is my money safe at St. Philip'S Church Federal Credit Union?

Yes. St. Philip'S Church Federal Credit Union is a federally insured credit union (NCUA charter #7172). 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 35.45%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

St. Philip'S Church Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
St. Philip'S Church Federal Credit Union
Type
Federal credit union
NCUA charter #
7172
RSSD ID
183583
Primary regulator
NCUA
Established
1951
Headquarters
204 W 134th st, Undercroft Room U-1, New York, NY 10030
Employees
1

Quick answers

St. Philip'S Church Federal Credit Union: common questions

Is St. Philip'S Church Federal Credit Union NCUA insured?

Yes. St. Philip'S Church Federal Credit Union is a federally insured credit union (NCUA charter #7172). 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 St. Philip'S Church Federal Credit Union's TellerScore?

74 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 St. Philip'S Church Federal Credit Union have?

2 offices as of the latest NCUA data.

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