TellerScore

Tonawanda Community Federal Credit Union is a federal credit union headquartered in Buffalo, New York, in business for about 50 years. At the end of Q2 2026 it reported $49.3M in total assets and $43.8M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Tonawanda Community Federal Credit Union scores 77/100, which we describe as strong. That is higher than 57% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 90th. Its strongest component is funding & liquidity (100/100; 32% loans-to-deposits, 1% uninsured), and its lowest is capital cushion (61/100; 11.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.13%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.73%
Earnings75/100
Return on assets (annualized): 1.38%
Funding & liquidity100/100
Loans ÷ shares: 32.1% · 1.4% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.87%

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 rose 6 points (71 → 77), mostly because the loan quality component improved by 20 points.

TellerScore
647280Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202464
Q1 202566
Q2 202571
Q3 202577
Q4 202580
Q1 202680
Q2 202677
Net worth ratio
7.00%9.07%11.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.93%
Q3 20249.58%
Q4 20249.79%
Q1 20259.70%
Q2 202510.19%
Q3 202510.67%
Q4 202510.75%
Q1 202610.70%
Q2 202611.13%
Delinquent loans (60+ days)
0.02%0.75%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.18%
Q3 20240.02%
Q4 20241.22%
Q1 20251.47%
Q2 20251.33%
Q3 20250.78%
Q4 20250.46%
Q1 20260.18%
Q2 20260.73%
Return on assets
0.84%1.25%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.14%
Q3 20240.84%
Q4 20240.86%
Q1 20251.34%
Q2 20251.64%
Q3 20251.66%
Q4 20251.60%
Q1 20261.30%
Q2 20261.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$49.3M11.13%0.73%1.38%32.1%
Q1 202680$49.6M10.70%0.18%1.30%32.3%
Q4 202580$47.9M10.75%0.46%1.60%33.3%
Q3 202577$46.5M10.67%0.78%1.66%33.6%
Q2 202571$46.8M10.19%1.33%1.64%33.0%
Q1 202566$46.8M9.70%1.47%1.34%32.8%
Q4 202464$44.7M9.79%1.22%0.86%35.2%
Q3 202474$44.6M9.58%0.02%0.84%35.2%
Q2 202473$45.5M8.93%0.18%1.14%34.1%

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 ratio11.13%
25th
Problem loans0.73%
49th
Net charge-offs0.14%
53rd
Return on assets1.38%
82nd
Loans to deposits32.1%
87th
Uninsured deposits1.4%
50th
Loan-loss reserves0.00%
37th
Texas ratio1.9%
54th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
State Cs Employees Federal Credit UnionCredit union Watertown, NY66 out of 100, Moderate$49.4M9.3%0.77%vs
Suny Fredonia Federal Credit UnionCredit union Fredonia, NY95 out of 100, Very strong$48.3M18.7%0.63%vs
Genesee Co-Op Federal Credit UnionCredit union Rochester, NY78 out of 100, Strong$47.5M23.4%1.55%vs
Stewart'S Federal Credit UnionCredit union Saratoga Spring, NY61 out of 100, Moderate$47.3M8.9%0.81%vs
Money Federal Credit UnionCredit union Syracuse, NY81 out of 100, Strong$51.3M13.8%0.29%vs
Syracuse CooperativeCredit union Syracuse, NY61 out of 100, Moderate$47.2M14.4%5.24%vs

Deposit insurance

Is my money safe at Tonawanda Community Federal Credit Union?

Yes. Tonawanda Community Federal Credit Union is a federally insured credit union (NCUA charter #22464). 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 1.4% of shares and deposits ($617K) 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 11.13%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Tonawanda Community Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Tonawanda Community Federal Credit Union
Type
Federal credit union
NCUA charter #
22464
RSSD ID
923789
Primary regulator
NCUA
Established
1976
Headquarters
257 Highland Pkwy, Buffalo, NY 14223
Employees
7

Quick answers

Tonawanda Community Federal Credit Union: common questions

Is Tonawanda Community Federal Credit Union NCUA insured?

Yes. Tonawanda Community Federal Credit Union is a federally insured credit union (NCUA charter #22464). 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 Tonawanda Community Federal Credit Union's TellerScore?

77 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 Tonawanda Community Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
Moog Employees Federal Credit UnionCredit union East Aurora, NY100 out of 100, Very strong$257.3M26.6%0.00%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Crossroads Community Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$96.9M15.3%0.18%vs
Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$38.1M17.2%0.00%vs
Titan Federal Credit UnionCredit union Pleasant Gap, PA94 out of 100, Very strong$69.5M15.4%0.31%vs