TellerScore

Town of Hempstead Employees Federal Credit Union (NCUA charter #15539) is based in North Baldwin, New York. Its Q2 2026 call report shows $149.4M in total assets and $136.7M in member shares and deposits and 1 office.

Town of Hempstead Employees Federal Credit Union has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 220th. Funding & liquidity contributes the most (100/100, 40% loans-to-deposits, 7% uninsured); capital cushion contributes the least (30/100, 8.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion30/100
Net worth ratio: 8.04%
Loan quality54/100
Loans 60+ days delinquent ÷ total loans: 1.39%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity100/100
Loans ÷ shares: 40.3% · 6.8% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.46%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (56 → 56).

TellerScore
325067Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202434
Q3 202433
Q4 202432
Q1 202550
Q2 202556
Q3 202564
Q4 202560
Q1 202667
Q2 202656
Net worth ratio
7.00%7.52%8.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.25%
Q3 20247.29%
Q4 20247.31%
Q1 20257.28%
Q2 20257.46%
Q3 20257.64%
Q4 20257.85%
Q1 20268.01%
Q2 20268.04%
Delinquent loans (60+ days)
0.18%2.42%4.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20244.52%
Q3 20244.57%
Q4 20244.67%
Q1 20251.29%
Q2 20250.96%
Q3 20250.18%
Q4 20250.63%
Q1 20260.18%
Q2 20261.39%
Return on assets
0.09%0.41%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.34%
Q4 20240.19%
Q1 20250.09%
Q2 20250.39%
Q3 20250.43%
Q4 20250.47%
Q1 20260.72%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$149.4M8.04%1.39%0.68%40.3%
Q1 202667$149.1M8.01%0.18%0.72%40.4%
Q4 202560$146.2M7.85%0.63%0.47%41.6%
Q3 202564$147.9M7.64%0.18%0.43%38.2%
Q2 202556$148.2M7.46%0.96%0.39%38.9%
Q1 202550$149.9M7.28%1.29%0.09%38.6%
Q4 202432$146.8M7.31%4.67%0.19%41.4%
Q3 202433$149.8M7.29%4.57%0.34%41.7%
Q2 202434$150.0M7.25%4.52%0.48%42.4%

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 ratio8.04%
4th
Problem loans1.39%
16th
Net charge-offs0.25%
64th
Return on assets0.68%
45th
Loans to deposits40.3%
96th
Uninsured deposits6.8%
41st
Loan-loss reserves0.00%
50th
Texas ratio6.5%
29th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Great Erie Federal Credit UnionCredit union Orchard Park, NY80 out of 100, Strong$149.6M12.4%0.47%vs
Syracuse Fire Department Employees Federal Credit UnionCredit union Syracuse, NY89 out of 100, Very strong$147.4M15.2%0.95%vs
Oswego County Federal Credit UnionCredit union Oswego, NY63 out of 100, Moderate$152.5M12.1%2.06%vs
Meridia Community Federal Credit UnionCredit union Hamburg, NY94 out of 100, Very strong$144.1M16.4%0.27%vs
Buffalo Metropolitan Federal Credit UnionCredit union Buffalo, NY44 out of 100, Below average$143.9M12.4%3.69%vs
Ukrainian National Federal Credit UnionCredit union New York, NY54 out of 100, Below average$155.1M12.8%2.16%vs

Deposit insurance

Is my money safe at Town of Hempstead Employees Federal Credit Union?

Yes. Town of Hempstead Employees Federal Credit Union is a federally insured credit union (NCUA charter #15539). 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 6.8% of shares and deposits ($9.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.04%, slightly 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 Hempstead Employees Federal Credit Union lists 1 office in 1 city. Most locations:

  • North Baldwin, NY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Town of Hempstead Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
15539
RSSD ID
181682
Primary regulator
NCUA
Established
1963
Headquarters
1830 Grand Ave, North Baldwin, NY 11510
Employees
17

Quick answers

Town of Hempstead Employees Federal Credit Union: common questions

Is Town of Hempstead Employees Federal Credit Union NCUA insured?

Yes. Town of Hempstead Employees Federal Credit Union is a federally insured credit union (NCUA charter #15539). 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 Hempstead Employees Federal Credit Union's TellerScore?

56 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.

How many branches does Town of Hempstead Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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