TellerScore

The Heart Center Federal Credit Union is a federal credit union headquartered in Roslyn, New York, in business for about 50 years. At the end of Q2 2026 it reported $20.4M in total assets and $17.2M in member shares and deposits, with 1 office.

The Heart Center Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 44% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 128th. Capital cushion contributes the most (100/100, 15.69%); loan quality contributes the least (31/100, 2.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.69%
Loan quality31/100
Loans 60+ days delinquent ÷ total loans: 2.06%
Earnings55/100
Return on assets (annualized): 0.86%
Funding & liquidity98/100
Loans ÷ shares: 61.9% · 0.6% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.82%

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 10 points (82 → 72), mostly because the loan quality component weakened by 41 points.

TellerScore
727883Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202481
Q4 202482
Q1 202579
Q2 202582
Q3 202582
Q4 202573
Q1 202674
Q2 202672
Net worth ratio
7.00%11.35%15.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.29%
Q3 202414.20%
Q4 202414.75%
Q1 202514.57%
Q2 202514.89%
Q3 202514.92%
Q4 202515.44%
Q1 202615.11%
Q2 202615.69%
Delinquent loans (60+ days)
0.62%1.34%2.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.62%
Q3 20240.66%
Q4 20240.78%
Q1 20250.94%
Q2 20250.83%
Q3 20250.84%
Q4 20251.88%
Q1 20261.90%
Q2 20262.06%
Return on assets
0.63%0.75%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.74%
Q4 20240.80%
Q1 20250.63%
Q2 20250.72%
Q3 20250.76%
Q4 20250.85%
Q1 20260.87%
Q2 20260.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$20.4M15.69%2.06%0.86%61.9%
Q1 202674$20.9M15.11%1.90%0.87%59.1%
Q4 202573$20.2M15.44%1.88%0.85%63.0%
Q3 202582$20.7M14.92%0.84%0.76%61.5%
Q2 202582$20.4M14.89%0.83%0.72%62.7%
Q1 202579$20.6M14.57%0.94%0.63%61.5%
Q4 202482$20.1M14.75%0.78%0.80%64.4%
Q3 202481$20.7M14.20%0.66%0.74%63.5%
Q2 202483$20.4M14.29%0.62%0.87%63.5%

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 ratio15.69%
59th
Problem loans2.06%
20th
Net charge-offs0.17%
51st
Return on assets0.86%
61st
Loans to deposits61.9%
46th
Uninsured deposits0.6%
58th
Loan-loss reserves0.00%
37th
Texas ratio6.8%
21st

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Neighborhood Trust Federal Credit UnionCredit union New York, NY65 out of 100, Moderate$20.3M27.9%1.32%vs
Crouse Federal Credit UnionCredit union Syracuse, NY71 out of 100, Strong$20.2M10.0%0.09%vs
Le Roy Federal Credit UnionCredit union Le Roy, NY86 out of 100, Very strong$21.1M11.4%0.37%vs
Kaleida Health Federal Credit UnionCredit union Buffalo, NY90 out of 100, Very strong$19.8M17.7%0.10%vs
Nym Federal Credit UnionCredit union Brooklyn, NY81 out of 100, Strong$19.5M16.4%0.81%vs
Niagara-Wheatfield Federal Credit UnionCredit union Sanborn, NY50 out of 100, Below average$21.4M10.7%4.03%vs

Deposit insurance

Is my money safe at The Heart Center Federal Credit Union?

Yes. The Heart Center Federal Credit Union is a federally insured credit union (NCUA charter #22456). 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 0.6% of shares and deposits ($103K) 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 15.69%, 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

The Heart Center Federal Credit Union lists 1 office in 1 city. Most locations:

  • Roslyn, NY (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Heart Center Federal Credit Union
Type
Federal credit union
NCUA charter #
22456
RSSD ID
602383
Primary regulator
NCUA
Established
1976
Headquarters
100 Port Washington Blvd, Roslyn, NY 11576
Employees
3

Quick answers

The Heart Center Federal Credit Union: common questions

Is The Heart Center Federal Credit Union NCUA insured?

Yes. The Heart Center Federal Credit Union is a federally insured credit union (NCUA charter #22456). 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 Heart Center Federal Credit Union's TellerScore?

72 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 The Heart Center Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Gha Federal Credit UnionCredit union Greenwich, CT91 out of 100, Very strong$29.7M17.5%0.56%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs