TellerScore

Headquartered in Troy, New York, Troy Federal Credit Union is a federal credit union with $3.7M in total assets and $3.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1963.

Troy Federal Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 65% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 73rd. Capital cushion contributes the most (100/100, 15.79%); earnings contributes the least (25/100, 0.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.79%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.33%
Earnings25/100
Return on assets (annualized): 0.13%
Funding & liquidity89/100
Loans ÷ shares: 71.7% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.23%

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 (80 → 80).

TellerScore
768186Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202480
Q4 202477
Q1 202576
Q2 202580
Q3 202584
Q4 202586
Q1 202683
Q2 202680
Net worth ratio
7.00%12.35%17.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.34%
Q3 202417.69%
Q4 202417.45%
Q1 202517.14%
Q2 202516.97%
Q3 202516.45%
Q4 202516.02%
Q1 202615.99%
Q2 202615.79%
Delinquent loans (60+ days)
0.00%0.45%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.64%
Q3 20240.57%
Q4 20240.91%
Q1 20250.83%
Q2 20250.43%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.33%
Return on assets
0.13%0.31%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.45%
Q3 20240.49%
Q4 20240.48%
Q1 20250.17%
Q2 20250.17%
Q3 20250.21%
Q4 20250.24%
Q1 20260.14%
Q2 20260.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$3.7M15.79%0.33%0.13%71.7%
Q1 202683$3.7M15.99%0.00%0.14%74.9%
Q4 202586$3.7M16.02%0.00%0.24%63.3%
Q3 202584$3.6M16.45%0.00%0.21%68.2%
Q2 202580$3.4M16.97%0.43%0.17%70.5%
Q1 202576$3.4M17.14%0.83%0.17%74.1%
Q4 202477$3.3M17.45%0.91%0.48%78.0%
Q3 202480$3.3M17.69%0.57%0.49%81.6%
Q2 202478$3.3M17.34%0.64%0.45%83.4%

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 ratio15.79%
59th
Problem loans0.33%
67th
Net charge-offs0.00%
77th
Return on assets0.13%
24th
Loans to deposits71.7%
31st
Uninsured deposits0.0%
81st
Loan-loss reserves0.65%
79th
Texas ratio1.2%
62nd

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Deposit insurance

Is my money safe at Troy Federal Credit Union?

Yes. Troy Federal Credit Union is a federally insured credit union (NCUA charter #15928). 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 15.79%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Troy Federal Credit Union
Type
Federal credit union
NCUA charter #
15928
RSSD ID
210685
Primary regulator
NCUA
Established
1963
Headquarters
2175 6th Ave, Troy, NY 12180
Employees
3

Quick answers

Troy Federal Credit Union: common questions

Is Troy Federal Credit Union NCUA insured?

Yes. Troy Federal Credit Union is a federally insured credit union (NCUA charter #15928). 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 Troy Federal Credit Union's TellerScore?

80 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 Troy Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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