TellerScore

Headquartered in Scotia, New York, Stratton Air National Guard Federal Credit Union is a federal credit union with $920K in total assets and $558K in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1956.

Based on its Q2 2026 filing, Stratton Air National Guard Federal Credit Union scores 94/100, which we describe as very strong. That is higher than 95% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 16th. Its strongest component is capital cushion (100/100; 39.30%), and its lowest is funding & liquidity (82/100; 78% loans-to-deposits, 0% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 39.30%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings83/100
Return on assets (annualized): 1.57%
Funding & liquidity82/100
Loans ÷ shares: 78.0% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (94 → 94).

TellerScore
879297Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202489
Q4 202489
Q1 202595
Q2 202594
Q3 202595
Q4 202597
Q1 202694
Q2 202694
Net worth ratio
7.00%23.67%40.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202439.99%
Q3 202440.34%
Q4 202438.08%
Q1 202536.61%
Q2 202535.69%
Q3 202538.01%
Q4 202536.34%
Q1 202638.49%
Q2 202639.30%
Delinquent loans (60+ days)
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.91%1.36%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.91%
Q3 20241.14%
Q4 20241.00%
Q1 20251.56%
Q2 20251.51%
Q3 20251.80%
Q4 20251.73%
Q1 20261.59%
Q2 20261.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$920K39.30%0.00%1.57%78.0%
Q1 202694$930K38.49%0.00%1.59%75.0%
Q4 202597$975K36.34%0.00%1.73%68.0%
Q3 202595$921K38.01%0.00%1.80%79.9%
Q2 202594$967K35.69%0.00%1.51%73.5%
Q1 202595$932K36.61%0.00%1.56%69.4%
Q4 202489$887K38.08%0.00%1.00%79.5%
Q3 202489$833K40.34%0.00%1.14%89.1%
Q2 202487$832K39.99%0.00%0.91%90.2%

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).

Capital ratio39.30%
98th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets1.57%
87th
Loans to deposits78.0%
22nd
Uninsured deposits0.0%
81st
Loan-loss reserves0.78%
81st
Texas ratio0.0%
93rd

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Deposit insurance

Is my money safe at Stratton Air National Guard Federal Credit Union?

Yes. Stratton Air National Guard Federal Credit Union is a federally insured credit union (NCUA charter #10773). 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 39.30%, 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

Stratton Air National Guard Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Stratton Air National Guard Federal Credit Union
Type
Federal credit union
NCUA charter #
10773
RSSD ID
804682
Primary regulator
NCUA
Established
1956
Headquarters
1 Air National Guard Rd, Scotia, Scotia, NY 12302
Employees
1

Quick answers

Stratton Air National Guard Federal Credit Union: common questions

Is Stratton Air National Guard Federal Credit Union NCUA insured?

Yes. Stratton Air National Guard Federal Credit Union is a federally insured credit union (NCUA charter #10773). 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 Stratton Air National Guard Federal Credit Union's TellerScore?

94 out of 100 (Very 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 Stratton Air National Guard Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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