TellerScore

Tri-County Federal Credit Union (NCUA charter #21875) is based in Delevan, New York. Its Q2 2026 call report shows $5.0M in total assets and $3.9M in member shares and deposits and 4 offices.

Tri-County Federal Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 52% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 106th. Capital cushion contributes the most (100/100, 21.23%); loan quality contributes the least (49/100, 1.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.23%
Loan quality49/100
Loans 60+ days delinquent ÷ total loans: 1.54%
Earnings58/100
Return on assets (annualized): 0.95%
Funding & liquidity81/100
Loans ÷ shares: 78.9% · 0.0% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.42%

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 3 points (78 → 75), mostly because the earnings component weakened by 15 points.

TellerScore
677684Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202478
Q3 202480
Q4 202478
Q1 202580
Q2 202578
Q3 202567
Q4 202573
Q1 202684
Q2 202675
Net worth ratio
7.00%14.28%21.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202419.55%
Q3 202420.19%
Q4 202420.60%
Q1 202520.49%
Q2 202520.32%
Q3 202521.40%
Q4 202521.55%
Q1 202621.25%
Q2 202621.23%
Delinquent loans (60+ days)
0.91%1.75%2.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.52%
Q3 20241.38%
Q4 20241.19%
Q1 20251.09%
Q2 20251.42%
Q3 20252.59%
Q4 20251.67%
Q1 20260.91%
Q2 20261.54%
Return on assets
0.95%1.23%1.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.45%
Q3 20241.52%
Q4 20241.18%
Q1 20251.17%
Q2 20251.31%
Q3 20251.25%
Q4 20251.00%
Q1 20261.42%
Q2 20260.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$5.0M21.23%1.54%0.95%78.9%
Q1 202684$5.0M21.25%0.91%1.42%81.3%
Q4 202573$4.8M21.55%1.67%1.00%85.4%
Q3 202567$4.8M21.40%2.59%1.25%87.3%
Q2 202578$5.0M20.32%1.42%1.31%83.9%
Q1 202580$4.9M20.49%1.09%1.17%87.8%
Q4 202478$4.8M20.60%1.19%1.18%89.6%
Q3 202480$4.9M20.19%1.38%1.52%88.6%
Q2 202478$4.9M19.55%1.52%1.45%88.6%

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 ratio21.23%
81st
Problem loans1.54%
28th
Net charge-offs-0.26%
96th
Return on assets0.95%
65th
Loans to deposits78.9%
21st
Uninsured deposits0.0%
81st
Loan-loss reserves0.62%
79th
Texas ratio4.4%
33rd

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Coxsackie Correctional Emp. Federal Credit UnionCredit union Coxsackie, NY53 out of 100, Below average$4.4M28.7%7.69%vs
Schenectady County Employees Federal Credit UnionCredit union Schenectady, NY54 out of 100, Below average$5.6M7.3%0.93%vs
New Covenant Dominion Federal Credit UnionCredit union Bronx, NY50 out of 100, Below average$4.4M31.3%7.95%vs
Watertown Postal Federal Credit UnionCredit union Watertown, NY94 out of 100, Very strong$5.7M14.4%0.00%vs
Upstate Telco Federal Credit UnionCredit union Gloversville, NY84 out of 100, Strong$4.3M16.1%0.28%vs
Transit Authority Division B Federal Credit UnionCredit union New York, NY60 out of 100, Moderate$6.1M14.1%6.97%vs

Deposit insurance

Is my money safe at Tri-County Federal Credit Union?

Yes. Tri-County Federal Credit Union is a federally insured credit union (NCUA charter #21875). 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 0.0% of shares and deposits ($0) 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 21.23%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Tri-County Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Tri-County Federal Credit Union
Type
Federal credit union
NCUA charter #
21875
RSSD ID
303484
Primary regulator
NCUA
Established
1974
Headquarters
30 School St, PO Box 241, Delevan, NY 14042
Employees
5

Quick answers

Tri-County Federal Credit Union: common questions

Is Tri-County Federal Credit Union NCUA insured?

Yes. Tri-County Federal Credit Union is a federally insured credit union (NCUA charter #21875). 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 Tri-County Federal Credit Union's TellerScore?

75 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 Tri-County Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Delevan

InstitutionScoreAssetsCapitalProblem loansCompare
Moog Employees Federal Credit UnionCredit union East Aurora, NY100 out of 100, Very strong$257.3M26.6%0.00%vs
Genesee Valley Federal Credit UnionCredit union Geneseo, NY98 out of 100, Very strong$175.9M16.6%0.19%vs
Meridia Community Federal Credit UnionCredit union Hamburg, NY94 out of 100, Very strong$144.1M16.4%0.27%vs
Local 41 I.B.E.W. Federal Credit UnionCredit union Orchard Park, NY88 out of 100, Very strong$19.4M12.4%0.00%vs
High Point Federal Credit UnionCredit union Olean, NY87 out of 100, Very strong$430.1M14.3%0.67%vs
Lake Shore BankBank Dunkirk, NY86 out of 100, Very strong$735.9M17.4%0.25%vs