TellerScore

Headquartered in New York, New York, The Finest Federal Credit Union is a federal credit union with $36.0M in total assets and $27.7M in member shares and deposits as of Q2 2026. Its charter dates back to 2015.

Based on its Q2 2026 filing, The Finest Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 32% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 168th. Its strongest component is capital cushion (100/100; 23.97%), and its lowest is loan quality (28/100; 2.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.97%
Loan quality28/100
Loans 60+ days delinquent ÷ total loans: 2.17%
Earnings67/100
Return on assets (annualized): 1.16%
Funding & liquidity45/100
Loans ÷ shares: 96.9% · 31.1% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.75%

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 16 points (82 → 66), mostly because the loan quality component weakened by 43 points.

TellerScore
667482Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202476
Q4 202476
Q1 202579
Q2 202582
Q3 202577
Q4 202578
Q1 202667
Q2 202666
Net worth ratio
7.00%16.29%25.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202420.15%
Q3 202422.53%
Q4 202422.23%
Q1 202521.94%
Q2 202522.62%
Q3 202525.58%
Q4 202524.43%
Q1 202623.82%
Q2 202623.97%
Delinquent loans (60+ days)
0.87%1.52%2.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.38%
Q3 20241.60%
Q4 20241.43%
Q1 20251.24%
Q2 20250.87%
Q3 20251.50%
Q4 20251.31%
Q1 20261.96%
Q2 20262.17%
Return on assets
1.08%4.57%8.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.45%
Q3 20243.41%
Q4 20241.85%
Q1 20257.00%
Q2 20254.78%
Q3 20258.06%
Q4 20255.07%
Q1 20261.08%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$36.0M23.97%2.17%1.16%96.9%
Q1 202667$35.8M23.82%1.96%1.08%99.6%
Q4 202578$34.5M24.43%1.31%5.07%105.5%
Q3 202577$34.2M25.58%1.50%8.06%117.4%
Q2 202582$33.0M22.62%0.87%4.78%115.4%
Q1 202579$33.1M21.94%1.24%7.00%110.8%
Q4 202476$30.0M22.23%1.43%1.85%112.2%
Q3 202476$30.7M22.53%1.60%3.41%116.4%
Q2 202478$29.6M20.15%1.38%2.45%112.3%

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 ratio23.97%
87th
Problem loans2.17%
19th
Net charge-offs3.41%
3rd
Return on assets1.16%
74th
Loans to deposits96.9%
4th
Uninsured deposits31.1%
1st
Loan-loss reserves0.00%
37th
Texas ratio6.7%
22nd

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InstitutionScoreAssetsCapitalProblem loansCompare
Steuben Citizens Federal Credit UnionCredit union Bath, NY76 out of 100, Strong$35.8M12.2%0.09%vs
Finger Lakes Health Care Federal Credit UnionCredit union Elmira, NY89 out of 100, Very strong$35.2M15.5%0.02%vs
Chen-Del-O Federal Credit UnionCredit union Franklin, NY85 out of 100, Very strong$34.9M12.9%0.48%vs
Ed-Med Federal Credit UnionCredit union Ogdensburg, NY76 out of 100, Strong$34.7M12.5%1.08%vs
O and R Utilities Employees Federal Credit UnionCredit union Monroe, NY64 out of 100, Moderate$34.7M11.9%0.94%vs
Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$38.1M17.2%0.00%vs

Deposit insurance

Is my money safe at The Finest Federal Credit Union?

Yes. The Finest Federal Credit Union is a federally insured credit union (NCUA charter #24862). 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 31.1% of shares and deposits ($8.6M) 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 23.97%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
The Finest Federal Credit Union
Type
Federal credit union
NCUA charter #
24862
RSSD ID
4842392
Primary regulator
NCUA
Established
2015
Headquarters
215 Park Row, Suite 2, New York, NY 10038
Employees
12

Quick answers

The Finest Federal Credit Union: common questions

Is The Finest Federal Credit Union NCUA insured?

Yes. The Finest Federal Credit Union is a federally insured credit union (NCUA charter #24862). 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 The Finest Federal Credit Union's TellerScore?

66 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.