TellerScore

Trunorthern Federal Credit Union (NCUA charter #21026) is based in Malone, New York. Its Q2 2026 call report shows $111.7M in total assets and $100.8M in member shares and deposits and 5 offices across 2 states.

Trunorthern Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 94th. Problem-loan coverage contributes the most (96/100, 2.0%); earnings contributes the least (48/100, 0.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.70%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.25%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity91/100
Loans ÷ shares: 69.4% · 5.8% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.95%

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 (76 → 76).

TellerScore
727577Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202474
Q4 202477
Q1 202576
Q2 202576
Q3 202574
Q4 202572
Q1 202675
Q2 202676
Net worth ratio
7.00%9.84%12.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.61%
Q3 202412.21%
Q4 202412.67%
Q1 202512.28%
Q2 202512.17%
Q3 202511.68%
Q4 202511.94%
Q1 202611.62%
Q2 202611.70%
Delinquent loans (60+ days)
0.25%0.53%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.67%
Q3 20240.79%
Q4 20240.68%
Q1 20250.58%
Q2 20250.61%
Q3 20250.42%
Q4 20250.81%
Q1 20260.34%
Q2 20260.25%
Return on assets
0.63%0.71%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.69%
Q4 20240.76%
Q1 20250.63%
Q2 20250.78%
Q3 20250.64%
Q4 20250.70%
Q1 20260.65%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$111.7M11.70%0.25%0.70%69.4%
Q1 202675$110.7M11.62%0.34%0.65%66.6%
Q4 202572$106.2M11.94%0.81%0.70%67.1%
Q3 202574$106.7M11.68%0.42%0.64%67.2%
Q2 202576$101.1M12.17%0.61%0.78%58.5%
Q1 202576$98.5M12.28%0.58%0.63%59.7%
Q4 202477$94.2M12.67%0.68%0.76%53.7%
Q3 202474$96.0M12.21%0.79%0.69%54.6%
Q2 202476$91.5M12.61%0.67%0.69%53.9%

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 ratio11.70%
54th
Problem loans0.25%
85th
Net charge-offs0.11%
85th
Return on assets0.70%
47th
Loans to deposits69.4%
62nd
Uninsured deposits5.8%
50th
Loan-loss reserves0.00%
50th
Texas ratio2.0%
76th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
American Broadcast Employees Federal Credit UnionCredit union Rockville Centr, NY76 out of 100, Strong$111.5M14.9%1.20%vs
Port Washington Federal Credit UnionCredit union Port Washington, NY61 out of 100, Moderate$109.9M15.3%4.28%vs
One Credit Union of NYCredit union Cheektowaga, NY89 out of 100, Very strong$114.4M13.2%0.12%vs
Leatherstocking Region Federal Credit UnionCredit union Cooperstown, NY78 out of 100, Strong$107.7M12.1%0.68%vs
Next Step Federal Credit UnionCredit union Troy, NY63 out of 100, Moderate$107.6M10.1%1.72%vs
Consumers Federal Credit UnionCredit union Brooklyn, NY66 out of 100, Moderate$105.8M11.6%0.07%vs

Deposit insurance

Is my money safe at Trunorthern Federal Credit Union?

Yes. Trunorthern Federal Credit Union is a federally insured credit union (NCUA charter #21026). 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 ($5.9M) 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 11.70%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Trunorthern Federal Credit Union lists 5 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Trunorthern Federal Credit Union
Type
Federal credit union
NCUA charter #
21026
RSSD ID
762689
Primary regulator
NCUA
Established
1972
Headquarters
494 E Main St, Malone, NY 12953
Employees
26

Quick answers

Trunorthern Federal Credit Union: common questions

Is Trunorthern Federal Credit Union NCUA insured?

Yes. Trunorthern Federal Credit Union is a federally insured credit union (NCUA charter #21026). 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 Trunorthern Federal Credit Union's TellerScore?

76 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 Trunorthern Federal Credit Union have?

5 offices as of the latest NCUA data, in 2 states.

Nearby

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