TellerScore

Sweet Home Federal Credit Union is a federal credit union headquartered in Amherst, New York, in business for about 69 years. At the end of Q2 2026 it reported $45.4M in total assets and $39.3M in member shares and deposits, with 1 office.

Sweet Home Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 80th. Funding & liquidity contributes the most (100/100, 54% loans-to-deposits, 5% uninsured); loan quality contributes the least (52/100, 1.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Net worth ratio: 13.29%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.44%
Earnings84/100
Return on assets (annualized): 1.61%
Funding & liquidity100/100
Loans ÷ shares: 53.5% · 4.7% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.01%

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 (79 → 79).

TellerScore
788388Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202484
Q4 202487
Q1 202587
Q2 202579
Q3 202579
Q4 202588
Q1 202684
Q2 202679
Net worth ratio
7.00%10.14%13.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.93%
Q3 202410.85%
Q4 202411.38%
Q1 202511.57%
Q2 202511.84%
Q3 202512.58%
Q4 202512.65%
Q1 202613.03%
Q2 202613.29%
Delinquent loans (60+ days)
0.15%0.81%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.27%
Q3 20240.17%
Q4 20240.15%
Q1 20250.18%
Q2 20251.11%
Q3 20251.47%
Q4 20250.49%
Q1 20260.54%
Q2 20261.44%
Return on assets
1.38%1.66%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.49%
Q3 20241.81%
Q4 20241.85%
Q1 20251.81%
Q2 20251.82%
Q3 20251.93%
Q4 20251.84%
Q1 20261.38%
Q2 20261.61%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$45.4M13.29%1.44%1.61%53.5%
Q1 202684$44.7M13.03%0.54%1.38%53.2%
Q4 202588$44.8M12.65%0.49%1.84%53.3%
Q3 202579$43.5M12.58%1.47%1.93%55.2%
Q2 202579$44.3M11.84%1.11%1.82%53.5%
Q1 202587$43.6M11.57%0.18%1.81%53.9%
Q4 202487$42.5M11.38%0.15%1.85%56.5%
Q3 202484$42.7M10.85%0.17%1.81%56.4%
Q2 202478$44.1M9.93%0.27%1.49%54.4%

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 ratio13.29%
41st
Problem loans1.44%
29th
Net charge-offs0.02%
66th
Return on assets1.61%
88th
Loans to deposits53.5%
58th
Uninsured deposits4.7%
23rd
Loan-loss reserves0.00%
37th
Texas ratio5.0%
29th

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Rochester & Monroe Co Emp Federal Credit UnionCredit union Rochester, NY64 out of 100, Moderate$46.4M10.9%1.20%vs
Amherst Federal Credit UnionCredit union Amherst, NY69 out of 100, Moderate$44.0M10.3%1.17%vs
Syracuse CooperativeCredit union Syracuse, NY61 out of 100, Moderate$47.2M14.4%5.24%vs
N Y Team Federal Credit UnionCredit union Ronkonkoma, NY55 out of 100, Moderate$43.5M7.1%0.87%vs

Deposit insurance

Is my money safe at Sweet Home Federal Credit Union?

Yes. Sweet Home Federal Credit Union is a federally insured credit union (NCUA charter #11470). 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 4.7% of shares and deposits ($1.9M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.29%, 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

Sweet Home Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Sweet Home Federal Credit Union
Type
Federal credit union
NCUA charter #
11470
RSSD ID
924487
Primary regulator
NCUA
Established
1957
Headquarters
1960 Sweet Home Rd, Amherst, NY 14228
Employees
8

Quick answers

Sweet Home Federal Credit Union: common questions

Is Sweet Home Federal Credit Union NCUA insured?

Yes. Sweet Home Federal Credit Union is a federally insured credit union (NCUA charter #11470). 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 Sweet Home Federal Credit Union's TellerScore?

79 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 Sweet Home Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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