TellerScore

Tonawanda Valley Federal Credit Union is a federal credit union headquartered in Batavia, New York, in business for about 51 years. At the end of Q2 2026 it reported $170.7M in total assets and $151.1M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Tonawanda Valley Federal Credit Union scores 82/100, which we describe as strong. That is higher than 82% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 66th. Its strongest component is funding & liquidity (100/100; 57% loans-to-deposits, 1% uninsured), and its lowest is capital cushion (61/100; 11.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.09%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.19%
Earnings77/100
Return on assets (annualized): 1.42%
Funding & liquidity100/100
Loans ÷ shares: 56.6% · 1.1% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.88%

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 3 points (79 → 82), mostly because the capital cushion component improved by 8 points.

TellerScore
757982Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202477
Q4 202478
Q1 202576
Q2 202579
Q3 202582
Q4 202582
Q1 202680
Q2 202682
Net worth ratio
7.00%9.04%11.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.31%
Q3 20249.89%
Q4 202410.21%
Q1 202510.13%
Q2 202510.32%
Q3 202510.89%
Q4 202510.85%
Q1 202610.91%
Q2 202611.09%
Delinquent loans (60+ days)
0.01%0.10%0.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.01%
Q3 20240.04%
Q4 20240.07%
Q1 20250.06%
Q2 20250.05%
Q3 20250.04%
Q4 20250.07%
Q1 20260.17%
Q2 20260.19%
Return on assets
0.98%1.20%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.01%
Q3 20241.15%
Q4 20241.22%
Q1 20250.98%
Q2 20251.24%
Q3 20251.40%
Q4 20251.37%
Q1 20261.23%
Q2 20261.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$170.7M11.09%0.19%1.42%56.6%
Q1 202680$167.0M10.91%0.17%1.23%58.6%
Q4 202582$163.3M10.85%0.07%1.37%61.6%
Q3 202582$157.9M10.89%0.04%1.40%63.5%
Q2 202579$160.1M10.32%0.05%1.24%61.5%
Q1 202576$157.0M10.13%0.06%0.98%61.7%
Q4 202478$152.2M10.21%0.07%1.22%63.7%
Q3 202477$152.0M9.89%0.04%1.15%63.7%
Q2 202475$155.9M9.31%0.01%1.01%60.5%

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 ratio11.09%
46th
Problem loans0.19%
90th
Net charge-offs0.19%
73rd
Return on assets1.42%
86th
Loans to deposits56.6%
83rd
Uninsured deposits1.1%
95th
Loan-loss reserves0.00%
50th
Texas ratio0.9%
90th

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Deposit insurance

Is my money safe at Tonawanda Valley Federal Credit Union?

Yes. Tonawanda Valley Federal Credit Union is a federally insured credit union (NCUA charter #22167). 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 1.1% of shares and deposits ($1.7M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.09%, 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

Tonawanda Valley Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Tonawanda Valley Federal Credit Union
Type
Federal credit union
NCUA charter #
22167
RSSD ID
834689
Primary regulator
NCUA
Established
1975
Headquarters
P O Box 398, Batavia, NY 14021
Employees
40

Quick answers

Tonawanda Valley Federal Credit Union: common questions

Is Tonawanda Valley Federal Credit Union NCUA insured?

Yes. Tonawanda Valley Federal Credit Union is a federally insured credit union (NCUA charter #22167). 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 Valley Federal Credit Union's TellerScore?

82 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 Valley Federal Credit Union have?

1 office as of the latest NCUA data.

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