TellerScore

Teg Federal Credit Union (NCUA charter #19401) is based in Poughkeepsie, New York. Its Q2 2026 call report shows $506.5M in total assets and $444.6M in member shares and deposits and 7 offices.

Teg Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 170th. Problem-loan coverage contributes the most (91/100, 4.5%); capital cushion contributes the least (40/100, 8.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Net worth ratio: 8.99%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.52%
Earnings61/100
Return on assets (annualized): 1.02%
Funding & liquidity73/100
Loans ÷ shares: 87.6% · 8.5% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.51%

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 (64 → 65).

TellerScore
616466Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202462
Q3 202461
Q4 202462
Q1 202566
Q2 202564
Q3 202564
Q4 202563
Q1 202665
Q2 202665
Net worth ratio
7.00%8.00%8.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.48%
Q3 20248.62%
Q4 20248.77%
Q1 20258.61%
Q2 20258.43%
Q3 20258.76%
Q4 20258.78%
Q1 20268.87%
Q2 20268.99%
Delinquent loans (60+ days)
0.19%0.35%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.44%
Q4 20240.26%
Q1 20250.19%
Q2 20250.22%
Q3 20250.31%
Q4 20250.47%
Q1 20260.44%
Q2 20260.52%
Return on assets
0.53%0.77%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.58%
Q3 20240.61%
Q4 20240.53%
Q1 20250.82%
Q2 20250.74%
Q3 20250.73%
Q4 20250.72%
Q1 20260.96%
Q2 20261.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$506.5M8.99%0.52%1.02%87.6%
Q1 202665$498.0M8.87%0.44%0.96%86.0%
Q4 202563$489.6M8.78%0.47%0.72%86.7%
Q3 202564$480.1M8.76%0.31%0.73%88.3%
Q2 202564$489.4M8.43%0.22%0.74%84.1%
Q1 202566$469.5M8.61%0.19%0.82%85.8%
Q4 202462$449.9M8.77%0.26%0.53%90.4%
Q3 202461$454.0M8.62%0.44%0.61%90.2%
Q2 202462$452.5M8.48%0.24%0.58%89.6%

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 ratio8.99%
13th
Problem loans0.52%
63rd
Net charge-offs0.44%
41st
Return on assets1.02%
67th
Loans to deposits87.6%
22nd
Uninsured deposits8.5%
25th
Loan-loss reserves0.00%
50th
Texas ratio4.5%
46th

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Suma Federal Credit UnionCredit union Yonkers, NY56 out of 100, Moderate$468.3M12.3%2.19%vs
First New York Federal Credit UnionCredit union Albany, NY63 out of 100, Moderate$574.0M9.4%0.48%vs
High Point Federal Credit UnionCredit union Olean, NY87 out of 100, Very strong$430.1M14.3%0.67%vs

Deposit insurance

Is my money safe at Teg Federal Credit Union?

Yes. Teg Federal Credit Union is a federally insured credit union (NCUA charter #19401). 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 ($38.0M) 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 8.99%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Teg Federal Credit Union lists 7 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Teg Federal Credit Union reported 280 home-loan applications under HMDA (LEI 254900MWCJLSHMSYCL19): 198 originated ($69,990,000 total), 38 denied, and 36 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Teg Federal Credit Union
Type
Federal credit union
NCUA charter #
19401
RSSD ID
193180
Primary regulator
NCUA
Established
1969
Headquarters
1 Commerce Street, Poughkeepsie, NY 12603
Employees
133

Quick answers

Teg Federal Credit Union: common questions

Is Teg Federal Credit Union NCUA insured?

Yes. Teg Federal Credit Union is a federally insured credit union (NCUA charter #19401). 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 Teg Federal Credit Union's TellerScore?

65 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 Teg Federal Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Poughkeepsie

InstitutionScoreAssetsCapitalProblem loansCompare
Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT91 out of 100, Very strong$365.2M17.1%0.26%vs
The Putnam County National Bank of CarmelBank Carmel, NY83 out of 100, Strong$182.7M26.8%0.48%vs
Bank of GreeneBank Catskill, NY77 out of 100, Strong$3.2B9.9%0.23%vs
Fairfield County BankBank Ridgefield, CT76 out of 100, Strong$1.9B14.3%0.05%vs
Yonkers Teachers Federal Credit UnionCredit union Yonkers, NY75 out of 100, Strong$57.4M15.0%1.19%vs
Bank of MillbrookBank Millbrook, NY73 out of 100, Strong$311.7M12.1%1.76%vs