TellerScore

Suny Fredonia Federal Credit Union is a federal credit union headquartered in Fredonia, New York, in business for about 52 years. At the end of Q2 2026 it reported $48.3M in total assets and $39.1M in member shares and deposits, with 1 office.

Suny Fredonia Federal Credit Union has a TellerScore of 95 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 8th. Capital cushion contributes the most (100/100, 18.74%); loan quality contributes the least (79/100, 0.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.74%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.63%
Earnings100/100
Return on assets (annualized): 2.64%
Funding & liquidity100/100
Loans ÷ shares: 40.8% · 2.7% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.12%

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 (97 → 95), mostly because the loan quality component weakened by 11 points.

TellerScore
9397100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202493
Q3 202494
Q4 202498
Q1 2025100
Q2 202597
Q3 202597
Q4 202597
Q1 202697
Q2 202695
Net worth ratio
7.00%12.87%18.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202414.91%
Q3 202415.83%
Q4 202416.16%
Q1 202516.35%
Q2 202517.04%
Q3 202518.01%
Q4 202518.26%
Q1 202618.14%
Q2 202618.74%
Delinquent loans (60+ days)
0.05%0.39%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.74%
Q3 20240.71%
Q4 20240.18%
Q1 20250.05%
Q2 20250.29%
Q3 20250.39%
Q4 20250.39%
Q1 20260.33%
Q2 20260.63%
Return on assets
2.36%2.68%2.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20242.36%
Q3 20242.63%
Q4 20242.48%
Q1 20252.92%
Q2 20252.87%
Q3 20252.99%
Q4 20252.85%
Q1 20262.74%
Q2 20262.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$48.3M18.74%0.63%2.64%40.8%
Q1 202697$48.2M18.14%0.33%2.74%39.8%
Q4 202597$46.0M18.26%0.39%2.85%43.7%
Q3 202597$45.0M18.01%0.39%2.99%46.8%
Q2 202597$45.5M17.04%0.29%2.87%44.2%
Q1 2025100$45.4M16.35%0.05%2.92%43.6%
Q4 202498$43.9M16.16%0.18%2.48%43.6%
Q3 202494$43.4M15.83%0.71%2.63%44.3%
Q2 202493$43.8M14.91%0.74%2.36%42.8%

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 ratio18.74%
73rd
Problem loans0.63%
53rd
Net charge-offs0.37%
34th
Return on assets2.64%
98th
Loans to deposits40.8%
77th
Uninsured deposits2.7%
39th
Loan-loss reserves0.00%
37th
Texas ratio1.1%
64th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Genesee Co-Op Federal Credit UnionCredit union Rochester, NY78 out of 100, Strong$47.5M23.4%1.55%vs
Stewart'S Federal Credit UnionCredit union Saratoga Spring, NY61 out of 100, Moderate$47.3M8.9%0.81%vs
Tonawanda Community Federal Credit UnionCredit union Buffalo, NY77 out of 100, Strong$49.3M11.1%0.73%vs
Syracuse CooperativeCredit union Syracuse, NY61 out of 100, Moderate$47.2M14.4%5.24%vs
State Cs Employees Federal Credit UnionCredit union Watertown, NY66 out of 100, Moderate$49.4M9.3%0.77%vs
Rochester & Monroe Co Emp Federal Credit UnionCredit union Rochester, NY64 out of 100, Moderate$46.4M10.9%1.20%vs

Deposit insurance

Is my money safe at Suny Fredonia Federal Credit Union?

Yes. Suny Fredonia Federal Credit Union is a federally insured credit union (NCUA charter #21851). 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 2.7% of shares and deposits ($1.0M) 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 18.74%, well 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

Suny Fredonia Federal Credit Union lists 1 office in 1 city. Most locations:

  • Fredonia, NY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Suny Fredonia Federal Credit Union
Type
Federal credit union
NCUA charter #
21851
RSSD ID
235286
Primary regulator
NCUA
Established
1974
Headquarters
280 Central Ave, G139 Williams Cent, Fredonia, NY 14063
Employees
6

Quick answers

Suny Fredonia Federal Credit Union: common questions

Is Suny Fredonia Federal Credit Union NCUA insured?

Yes. Suny Fredonia Federal Credit Union is a federally insured credit union (NCUA charter #21851). 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 Suny Fredonia Federal Credit Union's TellerScore?

95 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 Suny Fredonia Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fredonia

InstitutionScoreAssetsCapitalProblem loansCompare
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Lake Shore BankBank Dunkirk, NY86 out of 100, Very strong$735.9M17.4%0.25%vs
Jamestown Area Community Federal Credit UnionCredit union Jamestown, NY84 out of 100, Strong$85.5M11.0%0.02%vs
Southern Chautauqua Federal Credit UnionCredit union Lakewood, NY78 out of 100, Strong$163.1M17.6%1.61%vs
Greater Chautauqua Federal Credit UnionCredit union Falconer, NY73 out of 100, Strong$102.3M11.4%0.88%vs
Inner Lakes Federal Credit UnionCredit union Westfield, NY70 out of 100, Strong$165.9M9.8%0.57%vs