TellerScore

Urban Empowerment Federal Credit Union (NCUA charter #20060) is based in New York, New York. Its Q2 2026 call report shows $352K in total assets and $170K in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Urban Empowerment Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 34% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 161st. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (0/100; -6.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.83%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings0/100
Return on assets (annualized): -6.47%
Funding & liquidity100/100
Loans ÷ shares: 8.3% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 10 points (57 → 67), mostly because the capital cushion component improved by 35 points.

TellerScore
5779100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202468
Q4 202480
Q1 202562
Q2 202557
Q3 2025100
Q4 202591
Q1 202669
Q2 202667
Net worth ratio
7.00%13.45%19.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.25%
Q3 202413.64%
Q4 202416.74%
Q1 20259.05%
Q2 20257.31%
Q3 202517.43%
Q4 202519.89%
Q1 202611.35%
Q2 202610.83%
Delinquent loans (60+ days)
-1.00%0.00%1.00%Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-14.59%-5.72%3.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-14.21%
Q3 2024-3.85%
Q4 2024-2.48%
Q1 2025-14.59%
Q2 2025-12.25%
Q3 20253.15%
Q4 20250.92%
Q1 2026-7.76%
Q2 2026-6.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$352K10.83%0.00%-6.47%8.3%
Q1 202669$372K11.35%0.00%-7.76%9.4%
Q4 202591$249K19.89%0.00%0.92%11.1%
Q3 2025100$313K17.43%0.00%3.15%3.0%
Q2 202557$351K7.31%0.00%-12.25%5.9%
Q1 202562$372K9.05%0.00%-14.59%7.6%
Q4 202480$282K16.74%0.00%-2.48%9.9%
Q3 202468$328K13.64%—-3.85%0.0%
Q2 202463$280K12.25%—-14.21%0.0%

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 ratio10.83%
22nd
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets-6.47%
1st
Loans to deposits8.3%
98th
Uninsured deposits0.0%
81st
Loan-loss reserves3.03%
93rd
Texas ratio0.0%
93rd

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Union Baptist Greenburgh Federal Credit UnionCredit union White Plains, NY54 out of 100, Below average$337K29.1%4.08%vs
Spc Brooklyn Federal Credit UnionCredit union Brooklyn, NY56 out of 100, Moderate$393K12.8%16.02%vs
Greater Centennial Federal Credit UnionCredit union Mount Vernon, NY39 out of 100, Low$256K11.4%12.81%vs
First Frontier Federal Credit UnionCredit union Lynbrook, NY85 out of 100, Very strong$470K18.9%0.00%vs
Far Rockaway Postal Federal Credit UnionCredit union Far Rockaway, NY49 out of 100, Below average$221K21.6%23.66%vs

Deposit insurance

Is my money safe at Urban Empowerment Federal Credit Union?

Yes. Urban Empowerment Federal Credit Union is a federally insured credit union (NCUA charter #20060). 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 10.83%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Urban Empowerment Federal Credit Union
Type
Federal credit union
NCUA charter #
20060
RSSD ID
522285
Primary regulator
NCUA
Established
1970
Headquarters
215 Park Row Ste. 1, New York, NY 10038

Quick answers

Urban Empowerment Federal Credit Union: common questions

Is Urban Empowerment Federal Credit Union NCUA insured?

Yes. Urban Empowerment Federal Credit Union is a federally insured credit union (NCUA charter #20060). 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 Urban Empowerment Federal Credit Union's TellerScore?

67 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 Urban Empowerment Federal Credit Union have?

1 office as of the latest NCUA data.