TellerScore

St. Pius X Church Federal Credit Union is a federal credit union headquartered in Rochester, New York, in business for about 59 years. At the end of Q2 2026 it reported $97.5M in total assets and $87.9M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, St. Pius X Church Federal Credit Union scores 45/100, which we describe as below average. That is higher than only 5% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 254th. Its strongest component is funding & liquidity (90/100; 71% loans-to-deposits, 15% uninsured), and its lowest is loan quality (15/100; 2.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.87%
Loan quality15/100
Loans 60+ days delinquent ÷ total loans: 2.54%
Earnings34/100
Return on assets (annualized): 0.35%
Funding & liquidity90/100
Loans ÷ shares: 70.7% · 14.8% uninsured
Problem-loan coverage67/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 16.39%

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 15 points (60 → 45), mostly because the loan quality component weakened by 55 points.

TellerScore
455361Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202452
Q4 202455
Q1 202561
Q2 202560
Q3 202558
Q4 202553
Q1 202657
Q2 202645
Net worth ratio
7.00%8.46%9.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.62%
Q3 20249.74%
Q4 20249.92%
Q1 20259.81%
Q2 20259.91%
Q3 20259.90%
Q4 20259.82%
Q1 20269.71%
Q2 20269.87%
Delinquent loans (60+ days)
0.72%1.63%2.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.72%
Q3 20241.04%
Q4 20241.20%
Q1 20250.72%
Q2 20250.89%
Q3 20251.24%
Q4 20251.78%
Q1 20261.34%
Q2 20262.54%
Return on assets
-0.51%-0.08%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.51%
Q3 2024-0.38%
Q4 20240.01%
Q1 20250.19%
Q2 20250.25%
Q3 20250.34%
Q4 20250.31%
Q1 20260.31%
Q2 20260.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202645$97.5M9.87%2.54%0.35%70.7%
Q1 202657$98.2M9.71%1.34%0.31%67.7%
Q4 202553$96.3M9.82%1.78%0.31%69.5%
Q3 202558$95.8M9.90%1.24%0.34%70.7%
Q2 202560$94.5M9.91%0.89%0.25%72.5%
Q1 202561$94.7M9.81%0.72%0.19%72.4%
Q4 202455$93.1M9.92%1.20%0.01%74.9%
Q3 202452$92.9M9.74%1.04%-0.38%75.8%
Q2 202455$94.4M9.62%0.72%-0.51%74.7%

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 ratio9.87%
15th
Problem loans2.54%
16th
Net charge-offs0.46%
29th
Return on assets0.35%
34th
Loans to deposits70.7%
32nd
Uninsured deposits14.8%
3rd
Loan-loss reserves0.00%
37th
Texas ratio16.4%
6th

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InstitutionScoreAssetsCapitalProblem loansCompare
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Good Neighbors Federal Credit UnionCredit union Depew, NY30 out of 100, Low$91.7M7.6%2.85%vs
Eastern Operating Engineers Federal Credit UnionCredit union Whitestone, NY60 out of 100, Moderate$88.6M9.8%0.32%vs
Adirondack Regional Federal Credit UnionCredit union Tupper Lake, NY48 out of 100, Below average$88.3M9.5%2.14%vs

Deposit insurance

Is my money safe at St. Pius X Church Federal Credit Union?

Yes. St. Pius X Church Federal Credit Union is a federally insured credit union (NCUA charter #18090). 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 14.8% of shares and deposits ($13.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.87%, 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

St. Pius X Church Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
St. Pius X Church Federal Credit Union
Type
Federal credit union
NCUA charter #
18090
RSSD ID
680886
Primary regulator
NCUA
Established
1967
Headquarters
2998 Chili Avenue, Rochester, NY 14624
Employees
20

Quick answers

St. Pius X Church Federal Credit Union: common questions

Is St. Pius X Church Federal Credit Union NCUA insured?

Yes. St. Pius X Church Federal Credit Union is a federally insured credit union (NCUA charter #18090). 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. Pius X Church Federal Credit Union's TellerScore?

45 out of 100 (Below average), 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. Pius X Church Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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