TellerScore

Suma Federal Credit Union (NCUA charter #16360) is based in Yonkers, New York. Its Q2 2026 call report shows $468.3M in total assets and $410.4M in member shares and deposits and 8 offices across 4 states.

Based on its Q2 2026 filing, Suma Federal Credit Union scores 56/100, which we describe as moderate. That is higher than only 13% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 218th. Its strongest component is problem-loan coverage (75/100; 12.7%), and its lowest is loan quality (27/100; 2.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Net worth ratio: 12.25%
Loan quality27/100
Loans 60+ days delinquent ÷ total loans: 2.19%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity71/100
Loans ÷ shares: 80.8% · 22.1% uninsured
Problem-loan coverage75/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 12.67%

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 2 points (58 → 56), mostly because the loan quality component weakened by 9 points.

TellerScore
515763Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202451
Q4 202463
Q1 202563
Q2 202558
Q3 202557
Q4 202558
Q1 202662
Q2 202656
Net worth ratio
7.00%9.79%12.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.58%
Q3 202412.58%
Q4 202412.46%
Q1 202512.34%
Q2 202512.32%
Q3 202512.41%
Q4 202512.22%
Q1 202612.28%
Q2 202612.25%
Delinquent loans (60+ days)
1.19%1.83%2.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.78%
Q3 20242.47%
Q4 20241.19%
Q1 20251.38%
Q2 20251.91%
Q3 20252.14%
Q4 20251.95%
Q1 20261.54%
Q2 20262.19%
Return on assets
0.00%0.31%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.00%
Q3 20240.06%
Q4 20240.14%
Q1 20250.43%
Q2 20250.50%
Q3 20250.61%
Q4 20250.60%
Q1 20260.57%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$468.3M12.25%2.19%0.60%80.8%
Q1 202662$460.9M12.28%1.54%0.57%80.8%
Q4 202558$457.6M12.22%1.95%0.60%80.0%
Q3 202557$449.0M12.41%2.14%0.61%81.0%
Q2 202558$444.5M12.32%1.91%0.50%79.4%
Q1 202563$438.7M12.34%1.38%0.43%77.1%
Q4 202463$430.6M12.46%1.19%0.14%77.4%
Q3 202451$427.0M12.58%2.47%0.06%77.0%
Q2 202457$425.3M12.58%1.78%0.00%76.1%

1,341 peers · $100 million – $1 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 ratio12.25%
60th
Problem loans2.19%
5th
Net charge-offs0.35%
51st
Return on assets0.60%
39th
Loans to deposits80.8%
39th
Uninsured deposits22.1%
2nd
Loan-loss reserves0.00%
50th
Texas ratio12.7%
8th

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Deposit insurance

Is my money safe at Suma Federal Credit Union?

Yes. Suma Federal Credit Union is a federally insured credit union (NCUA charter #16360). 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 22.1% of shares and deposits ($90.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.25%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Suma Federal Credit Union lists 8 offices in 8 cities across 4 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Suma Federal Credit Union
Type
Federal credit union
NCUA charter #
16360
RSSD ID
784887
Primary regulator
NCUA
Established
1964
Headquarters
125 Corporate Blvd, Yonkers, NY 10701
Employees
52

Quick answers

Suma Federal Credit Union: common questions

Is Suma Federal Credit Union NCUA insured?

Yes. Suma Federal Credit Union is a federally insured credit union (NCUA charter #16360). 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 Suma Federal Credit Union's TellerScore?

56 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 Suma Federal Credit Union have?

8 offices as of the latest NCUA data, in 4 states.

Nearby

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