TellerScore

Headquartered in Cheektowaga, New York, Town of Cheektowaga Federal Credit Union is a federal credit union with $38.1M in total assets and $31.6M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1980.

Based on its Q2 2026 filing, Town of Cheektowaga Federal Credit Union scores 95/100, which we describe as very strong. That is higher than 96% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 9th. Its strongest component is capital cushion (100/100; 17.16%), and its lowest is earnings (73/100; 1.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.16%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings73/100
Return on assets (annualized): 1.33%
Funding & liquidity100/100
Loans ÷ shares: 40.5% · 5.8% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 (92 → 95), mostly because the loan quality component improved by 5 points.

TellerScore
919395Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202493
Q3 202492
Q4 202492
Q1 202591
Q2 202592
Q3 202594
Q4 202594
Q1 202694
Q2 202695
Net worth ratio
7.00%12.14%17.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.89%
Q3 202415.77%
Q4 202416.12%
Q1 202516.24%
Q2 202516.40%
Q3 202516.60%
Q4 202517.28%
Q1 202616.96%
Q2 202617.16%
Delinquent loans (60+ days)
0.00%0.08%0.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.14%
Q4 20240.14%
Q1 20250.17%
Q2 20250.14%
Q3 20250.12%
Q4 20250.02%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.10%1.23%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.12%
Q3 20241.19%
Q4 20241.20%
Q1 20251.10%
Q2 20251.22%
Q3 20251.35%
Q4 20251.31%
Q1 20261.27%
Q2 20261.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$38.1M17.16%0.00%1.33%40.5%
Q1 202694$37.8M16.96%0.00%1.27%41.3%
Q4 202594$36.4M17.28%0.02%1.31%43.1%
Q3 202594$37.3M16.60%0.12%1.35%42.3%
Q2 202592$36.8M16.40%0.14%1.22%41.2%
Q1 202591$36.4M16.24%0.17%1.10%40.4%
Q4 202492$36.1M16.12%0.14%1.20%42.7%
Q3 202492$36.1M15.77%0.14%1.19%43.8%
Q2 202493$35.1M15.89%0.00%1.12%45.9%

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 ratio17.16%
66th
Problem loans0.00%
87th
Net charge-offs0.03%
65th
Return on assets1.33%
80th
Loans to deposits40.5%
78th
Uninsured deposits5.8%
18th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
87th

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Deposit insurance

Is my money safe at Town of Cheektowaga Federal Credit Union?

Yes. Town of Cheektowaga Federal Credit Union is a federally insured credit union (NCUA charter #23717). 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 5.8% of shares and deposits ($1.8M) 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 17.16%, 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

Town of Cheektowaga Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Town of Cheektowaga Federal Credit Union
Type
Federal credit union
NCUA charter #
23717
RSSD ID
1014796
Primary regulator
NCUA
Established
1980
Headquarters
3251 Broadway St, Cheektowaga, NY 14227
Employees
6

Quick answers

Town of Cheektowaga Federal Credit Union: common questions

Is Town of Cheektowaga Federal Credit Union NCUA insured?

Yes. Town of Cheektowaga Federal Credit Union is a federally insured credit union (NCUA charter #23717). 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 Town of Cheektowaga Federal Credit Union's TellerScore?

95 out of 100 (Very 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 Town of Cheektowaga Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cheektowaga

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
Titan Federal Credit UnionCredit union Pleasant Gap, PA94 out of 100, Very strong$69.5M15.4%0.31%vs
Meridia Community Federal Credit UnionCredit union Hamburg, NY94 out of 100, Very strong$144.1M16.4%0.27%vs