TellerScore

Headquartered in Medford, New York, Suffolk Federal Credit Union is a federal credit union with $2.1B in total assets and $1.8B in member shares and deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 1967.

Based on its Q2 2026 filing, Suffolk Federal Credit Union scores 61/100, which we describe as moderate. That is higher than only 27% of 454 credit unions with $1 billion – $10 billion. Among 268 credit unions headquartered in New York, it ranks 196th. Its strongest component is problem-loan coverage (92/100; 4.1%), and its lowest is capital cushion (35/100; 8.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Net worth ratio: 8.54%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.52%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity82/100
Loans ÷ shares: 78.5% · 8.2% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.11%

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 (61 → 61).

TellerScore
606467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202466
Q4 202464
Q1 202561
Q2 202561
Q3 202561
Q4 202560
Q1 202660
Q2 202661
Net worth ratio
7.00%7.93%8.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.86%
Q3 20248.62%
Q4 20248.69%
Q1 20258.60%
Q2 20258.66%
Q3 20258.52%
Q4 20258.54%
Q1 20268.49%
Q2 20268.54%
Delinquent loans (60+ days)
0.28%0.41%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.33%
Q3 20240.28%
Q4 20240.43%
Q1 20250.41%
Q2 20250.45%
Q3 20250.41%
Q4 20250.53%
Q1 20260.50%
Q2 20260.52%
Return on assets
0.28%0.57%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.69%
Q4 20240.64%
Q1 20250.28%
Q2 20250.35%
Q3 20250.41%
Q4 20250.42%
Q1 20260.35%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$2.1B8.54%0.52%0.52%78.5%
Q1 202660$2.1B8.49%0.50%0.35%76.0%
Q4 202560$2.0B8.54%0.53%0.42%76.8%
Q3 202561$2.0B8.52%0.41%0.41%76.4%
Q2 202561$1.9B8.66%0.45%0.35%75.5%
Q1 202561$1.9B8.60%0.41%0.28%73.1%
Q4 202464$1.9B8.69%0.43%0.64%72.3%
Q3 202466$1.9B8.62%0.28%0.69%72.9%
Q2 202467$1.8B8.86%0.33%0.87%74.5%

454 peers · $1 billion – $10 billion

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 ratio8.54%
6th
Problem loans0.52%
68th
Net charge-offs0.08%
94th
Return on assets0.52%
23rd
Loans to deposits78.5%
74th
Uninsured deposits8.2%
60th
Loan-loss reserves0.00%
50th
Texas ratio4.1%
57th

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Deposit insurance

Is my money safe at Suffolk Federal Credit Union?

Yes. Suffolk Federal Credit Union is a federally insured credit union (NCUA charter #17914). 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 8.2% of shares and deposits ($148.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 8.54%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Suffolk Federal Credit Union lists 9 offices in 9 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Suffolk Federal Credit Union
Type
Federal credit union
NCUA charter #
17914
RSSD ID
847586
Primary regulator
NCUA
Established
1967
Headquarters
3681 Horseblock Rd, Medford, NY 11763
Employees
209

Quick answers

Suffolk Federal Credit Union: common questions

Is Suffolk Federal Credit Union NCUA insured?

Yes. Suffolk Federal Credit Union is a federally insured credit union (NCUA charter #17914). 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 Suffolk Federal Credit Union's TellerScore?

61 out of 100 (Moderate), 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 Suffolk Federal Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Medford

InstitutionScoreAssetsCapitalProblem loansCompare
Long Island Alliance Federal Credit UnionCredit union Hauppauge, NY87 out of 100, Very strong$16.5M14.1%0.32%vs
Self Reliance Financial Federal Credit UnionCredit union New York, NY79 out of 100, Strong$2.0B17.2%0.63%vs
American Community BankBank Glen Cove, NY78 out of 100, Strong$306.5M13.4%0.00%vs
People'S Alliance Federal Credit UnionCredit union Hauppauge, NY67 out of 100, Moderate$322.2M11.1%0.58%vs
Teachers Federal Credit UnionCredit union Smithtown, NY66 out of 100, Moderate$9.9B11.0%1.19%vs
Capital One, National AssociationBank Mclean, VA66 out of 100, Moderate$662.2B10.6%1.49%vs