TellerScore

Westchester Schools' Federal Credit Union (NCUA charter #9532) is based in Rye Brook, New York. Its Q2 2026 call report shows $40.6M in total assets and $35.5M in member shares and deposits and 1 office.

Westchester Schools' Federal Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 91st. Funding & liquidity contributes the most (100/100, 39% loans-to-deposits, 8% uninsured); earnings contributes the least (45/100, 0.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.17%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.02%
Earnings45/100
Return on assets (annualized): 0.62%
Funding & liquidity100/100
Loans ÷ shares: 39.5% · 7.8% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.06%

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 → 77).

TellerScore
747678Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202478
Q4 202478
Q1 202575
Q2 202576
Q3 202576
Q4 202576
Q1 202676
Q2 202677
Net worth ratio
7.00%9.09%11.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.81%
Q3 202410.92%
Q4 202410.93%
Q1 202510.82%
Q2 202510.96%
Q3 202511.09%
Q4 202511.02%
Q1 202610.99%
Q2 202611.17%
Delinquent loans (60+ days)
0.00%0.03%0.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.01%
Q4 20240.00%
Q1 20250.00%
Q2 20250.01%
Q3 20250.03%
Q4 20250.06%
Q1 20260.04%
Q2 20260.02%
Return on assets
0.45%0.62%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.75%
Q3 20240.79%
Q4 20240.73%
Q1 20250.45%
Q2 20250.49%
Q3 20250.53%
Q4 20250.51%
Q1 20260.55%
Q2 20260.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$40.6M11.17%0.02%0.62%39.5%
Q1 202676$40.5M10.99%0.04%0.55%39.0%
Q4 202576$40.1M11.02%0.06%0.51%39.8%
Q3 202576$38.7M11.09%0.03%0.53%41.1%
Q2 202576$40.7M10.96%0.01%0.49%39.1%
Q1 202575$39.2M10.82%0.00%0.45%39.3%
Q4 202478$37.9M10.93%0.00%0.73%40.6%
Q3 202478$37.4M10.92%0.01%0.79%39.9%
Q2 202474$41.0M9.81%0.00%0.75%33.6%

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 ratio11.17%
25th
Problem loans0.02%
86th
Net charge-offs0.07%
61st
Return on assets0.62%
48th
Loans to deposits39.5%
79th
Uninsured deposits7.8%
11th
Loan-loss reserves0.00%
37th
Texas ratio0.1%
85th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Utica District Telephone Employees Federal Credit UnionCredit union Utica, NY82 out of 100, Strong$40.3M31.9%0.83%vs
Niagara Regional Federal Credit UnionCredit union North Tonawanda, NY65 out of 100, Moderate$40.1M8.4%0.32%vs
Twin Rivers Federal Credit UnionCredit union Massena, NY83 out of 100, Strong$39.2M13.1%0.22%vs
Parks Heritage Federal Credit UnionCredit union Glens Falls, NY90 out of 100, Very strong$42.3M16.6%0.28%vs
Italo-American Federal Credit UnionCredit union Glendale, NY88 out of 100, Very strong$42.4M14.6%0.00%vs
Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$38.1M17.2%0.00%vs

Deposit insurance

Is my money safe at Westchester Schools' Federal Credit Union?

Yes. Westchester Schools' Federal Credit Union is a federally insured credit union (NCUA charter #9532). 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 7.8% of shares and deposits ($2.8M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.17%, 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

Westchester Schools' Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Westchester Schools' Federal Credit Union
Type
Federal credit union
NCUA charter #
9532
RSSD ID
1004984
Primary regulator
NCUA
Established
1954
Headquarters
118 South Ridge Street, #3, Rye Brook, NY 10573
Employees
3

Quick answers

Westchester Schools' Federal Credit Union: common questions

Is Westchester Schools' Federal Credit Union NCUA insured?

Yes. Westchester Schools' Federal Credit Union is a federally insured credit union (NCUA charter #9532). 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 Westchester Schools' Federal Credit Union's TellerScore?

77 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 Westchester Schools' Federal Credit Union have?

1 office as of the latest NCUA data.