TellerScore

Headquartered in Bath, New York, Steuben Citizens Federal Credit Union is a federal credit union with $35.8M in total assets and $30.6M in member shares and deposits as of Q2 2026. It operates 3 offices across 3 states. Its charter dates back to 1949.

Steuben Citizens Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 96th. Funding & liquidity contributes the most (100/100, 31% loans-to-deposits, 1% uninsured); earnings contributes the least (26/100, 0.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Net worth ratio: 12.19%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.09%
Earnings26/100
Return on assets (annualized): 0.15%
Funding & liquidity100/100
Loans ÷ shares: 30.9% · 1.4% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.19%

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 3 points (79 → 76), mostly because the earnings component weakened by 16 points.

TellerScore
697683Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202470
Q4 202473
Q1 202570
Q2 202579
Q3 202582
Q4 202583
Q1 202678
Q2 202676
Net worth ratio
7.00%9.72%12.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.37%
Q3 202411.43%
Q4 202412.12%
Q1 202511.67%
Q2 202511.84%
Q3 202512.13%
Q4 202512.44%
Q1 202612.22%
Q2 202612.19%
Delinquent loans (60+ days)
0.01%0.54%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.01%
Q3 20240.03%
Q4 20240.01%
Q1 20251.07%
Q2 20250.03%
Q3 20250.01%
Q4 20250.01%
Q1 20260.18%
Q2 20260.09%
Return on assets
-0.69%0.10%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.69%
Q3 2024-0.38%
Q4 2024-0.25%
Q1 20250.63%
Q2 20250.54%
Q3 20250.79%
Q4 20250.89%
Q1 20260.50%
Q2 20260.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$35.8M12.19%0.09%0.15%30.9%
Q1 202678$35.8M12.22%0.18%0.50%30.1%
Q4 202583$34.8M12.44%0.01%0.89%29.5%
Q3 202582$34.9M12.13%0.01%0.79%29.2%
Q2 202579$34.8M11.84%0.03%0.54%27.7%
Q1 202570$35.0M11.67%1.07%0.63%25.1%
Q4 202473$33.2M12.12%0.01%-0.25%24.9%
Q3 202470$35.1M11.43%0.03%-0.38%23.0%
Q2 202469$35.0M11.37%0.01%-0.69%22.5%

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 ratio12.19%
33rd
Problem loans0.09%
81st
Net charge-offs2.32%
4th
Return on assets0.15%
25th
Loans to deposits30.9%
88th
Uninsured deposits1.4%
50th
Loan-loss reserves0.00%
37th
Texas ratio0.2%
82nd

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Deposit insurance

Is my money safe at Steuben Citizens Federal Credit Union?

Yes. Steuben Citizens Federal Credit Union is a federally insured credit union (NCUA charter #6225). 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 1.4% of shares and deposits ($423K) 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 12.19%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Steuben Citizens Federal Credit Union lists 3 offices in 3 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Steuben Citizens Federal Credit Union
Type
Federal credit union
NCUA charter #
6225
RSSD ID
828987
Primary regulator
NCUA
Established
1949
Headquarters
2 Wilson Ave, Bath, NY 14810
Employees
7

Quick answers

Steuben Citizens Federal Credit Union: common questions

Is Steuben Citizens Federal Credit Union NCUA insured?

Yes. Steuben Citizens Federal Credit Union is a federally insured credit union (NCUA charter #6225). 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 Steuben Citizens Federal Credit Union's TellerScore?

76 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 Steuben Citizens Federal Credit Union have?

3 offices as of the latest NCUA data, in 3 states.

Nearby

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