TellerScore

Syracuse Fire Department Employees Federal Credit Union is a federal credit union headquartered in Syracuse, New York, in business for about 76 years. At the end of Q2 2026 it reported $147.4M in total assets and $125.0M in member shares and deposits, with 3 offices across 2 states.

Syracuse Fire Department Employees Federal Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 28th. Capital cushion contributes the most (100/100, 15.18%); loan quality contributes the least (68/100, 0.95%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.18%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.95%
Earnings92/100
Return on assets (annualized): 1.80%
Funding & liquidity98/100
Loans ÷ shares: 62.0% · 8.5% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.28%

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 (91 → 89), mostly because the loan quality component weakened by 14 points.

TellerScore
838893Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202485
Q4 202483
Q1 202592
Q2 202591
Q3 202590
Q4 202587
Q1 202693
Q2 202689
Net worth ratio
7.00%11.09%15.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.94%
Q3 202414.18%
Q4 202414.44%
Q1 202514.45%
Q2 202514.74%
Q3 202514.98%
Q4 202514.87%
Q1 202614.91%
Q2 202615.18%
Delinquent loans (60+ days)
0.34%0.65%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.70%
Q3 20240.75%
Q4 20240.93%
Q1 20250.34%
Q2 20250.54%
Q3 20250.79%
Q4 20250.97%
Q1 20260.77%
Q2 20260.95%
Return on assets
1.29%1.67%2.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.34%
Q3 20241.29%
Q4 20241.30%
Q1 20251.71%
Q2 20251.70%
Q3 20251.71%
Q4 20251.57%
Q1 20262.05%
Q2 20261.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$147.4M15.18%0.95%1.80%62.0%
Q1 202693$145.8M14.91%0.77%2.05%61.2%
Q4 202587$141.8M14.87%0.97%1.57%62.8%
Q3 202590$138.0M14.98%0.79%1.71%63.6%
Q2 202591$136.0M14.74%0.54%1.70%63.6%
Q1 202592$134.8M14.45%0.34%1.71%64.0%
Q4 202483$130.9M14.44%0.93%1.30%64.8%
Q3 202485$131.3M14.18%0.75%1.29%64.0%
Q2 202485$129.8M13.94%0.70%1.34%61.7%

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 ratio15.18%
86th
Problem loans0.95%
33rd
Net charge-offs0.03%
94th
Return on assets1.80%
95th
Loans to deposits62.0%
75th
Uninsured deposits8.5%
25th
Loan-loss reserves0.00%
50th
Texas ratio3.3%
58th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Town of Hempstead Employees Federal Credit UnionCredit union North Baldwin, NY56 out of 100, Moderate$149.4M8.0%1.39%vs
Great Erie Federal Credit UnionCredit union Orchard Park, NY80 out of 100, Strong$149.6M12.4%0.47%vs
Meridia Community Federal Credit UnionCredit union Hamburg, NY94 out of 100, Very strong$144.1M16.4%0.27%vs
Buffalo Metropolitan Federal Credit UnionCredit union Buffalo, NY44 out of 100, Below average$143.9M12.4%3.69%vs
Oswego County Federal Credit UnionCredit union Oswego, NY63 out of 100, Moderate$152.5M12.1%2.06%vs
Ukrainian National Federal Credit UnionCredit union New York, NY54 out of 100, Below average$155.1M12.8%2.16%vs

Deposit insurance

Is my money safe at Syracuse Fire Department Employees Federal Credit Union?

Yes. Syracuse Fire Department Employees Federal Credit Union is a federally insured credit union (NCUA charter #6627). 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 8.5% of shares and deposits ($10.7M) 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 15.18%, 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

Syracuse Fire Department Employees Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Syracuse Fire Department Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
6627
RSSD ID
744283
Primary regulator
NCUA
Established
1950
Headquarters
211 Wilkinson St, Syracuse, NY 13204
Employees
16

Quick answers

Syracuse Fire Department Employees Federal Credit Union: common questions

Is Syracuse Fire Department Employees Federal Credit Union NCUA insured?

Yes. Syracuse Fire Department Employees Federal Credit Union is a federally insured credit union (NCUA charter #6627). 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 Syracuse Fire Department Employees Federal Credit Union's TellerScore?

89 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 Syracuse Fire Department Employees Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.