TellerScore

United Nations Federal Credit Union is a federal credit union headquartered in Long Island CIT, New York, in business for about 79 years. At the end of Q2 2026 it reported $10.7B in total assets and $9.6B in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, United Nations Federal Credit Union scores 76/100, which we describe as strong. That is higher than 81% of 25 credit unions with over $10 billion. Among 268 credit unions headquartered in New York, it ranks 93rd. Its strongest component is problem-loan coverage (96/100; 1.8%), and its lowest is capital cushion (48/100; 9.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.78%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.28%
Earnings75/100
Return on assets (annualized): 1.36%
Funding & liquidity94/100
Loans ÷ shares: 66.0% · 15.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.77%

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 4 points (72 → 76), mostly because the earnings component improved by 13 points.

TellerScore
707376Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202472
Q4 202471
Q1 202571
Q2 202572
Q3 202570
Q4 202571
Q1 202674
Q2 202676
Net worth ratio
7.00%8.39%9.78%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.04%
Q3 20249.08%
Q4 20249.10%
Q1 20259.20%
Q2 20259.36%
Q3 20259.49%
Q4 20259.47%
Q1 20269.58%
Q2 20269.78%
Delinquent loans (60+ days)
0.19%0.34%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.23%
Q4 20240.19%
Q1 20250.26%
Q2 20250.34%
Q3 20250.48%
Q4 20250.25%
Q1 20260.21%
Q2 20260.28%
Return on assets
0.90%1.13%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.14%
Q3 20241.05%
Q4 20240.97%
Q1 20250.95%
Q2 20251.05%
Q3 20251.02%
Q4 20250.90%
Q1 20261.19%
Q2 20261.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$10.7B9.78%0.28%1.36%66.0%
Q1 202674$10.5B9.58%0.21%1.19%66.1%
Q4 202571$10.3B9.47%0.25%0.90%67.7%
Q3 202570$10.1B9.49%0.48%1.02%67.2%
Q2 202572$10.0B9.36%0.34%1.05%65.8%
Q1 202571$9.9B9.20%0.26%0.95%65.7%
Q4 202471$9.7B9.10%0.19%0.97%66.5%
Q3 202472$9.6B9.08%0.23%1.05%65.9%
Q2 202471$9.4B9.04%0.24%1.14%65.6%

25 peers · Over $10 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 ratio9.78%
33rd
Problem loans0.28%
96th
Net charge-offs0.22%
96th
Return on assets1.36%
75th
Loans to deposits66.0%
100th
Uninsured deposits15.5%
17th
Loan-loss reserves0.00%
50th
Texas ratio1.8%
96th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
ESL Federal Credit UnionCredit union Rochester, NY90 out of 100, Very strong$10.8B16.4%0.90%vs
Fourleaf Federal Credit UnionCredit union Bethpage, NY44 out of 100, Below average$14.4B9.1%2.23%vs

Deposit insurance

Is my money safe at United Nations Federal Credit Union?

Yes. United Nations Federal Credit Union is a federally insured credit union (NCUA charter #5588). 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 15.5% of shares and deposits ($1.5B) are above the $250,000 NCUA insurance limit, above the peer median of 12%. Insured balances are protected regardless of the score.

The net worth ratio is 9.78%, 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

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

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, United Nations Federal Credit Union reported 2,067 home-loan applications under HMDA (LEI 549300HCNXMTNGIMAR91): 1,493 originated ($953,235,000 total), 192 denied, and 376 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
United Nations Federal Credit Union
Type
Federal credit union
NCUA charter #
5588
RSSD ID
752475
Primary regulator
NCUA
Established
1947
Headquarters
2401 44th Rd, Long Island CIT, NY 11101
Employees
819

Quick answers

United Nations Federal Credit Union: common questions

Is United Nations Federal Credit Union NCUA insured?

Yes. United Nations Federal Credit Union is a federally insured credit union (NCUA charter #5588). 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 United Nations 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 United Nations Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Gha Federal Credit UnionCredit union Greenwich, CT91 out of 100, Very strong$29.7M17.5%0.56%vs