TellerScore

Western Division Federal Credit Union is a federal credit union headquartered in Williamsville, New York, in business for about 89 years. At the end of Q2 2026 it reported $223.9M in total assets and $190.3M in member shares and deposits.

Western Division Federal Credit Union has a TellerScore of 91 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 20th. Capital cushion contributes the most (98/100, 14.80%); funding & liquidity contributes the least (66/100, 94% loans-to-deposits, 4% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion98/100
Net worth ratio: 14.80%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.27%
Earnings98/100
Return on assets (annualized): 1.96%
Funding & liquidity66/100
Loans ÷ shares: 94.2% · 3.9% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.47%

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 (87 → 91), mostly because the earnings component improved by 19 points.

TellerScore
798692Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202483
Q4 202479
Q1 202587
Q2 202587
Q3 202588
Q4 202585
Q1 202692
Q2 202691
Net worth ratio
7.00%10.90%14.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.64%
Q3 202413.79%
Q4 202413.48%
Q1 202513.91%
Q2 202513.92%
Q3 202514.32%
Q4 202514.17%
Q1 202614.22%
Q2 202614.80%
Delinquent loans (60+ days)
0.02%0.15%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.04%
Q3 20240.02%
Q4 20240.14%
Q1 20250.12%
Q2 20250.13%
Q3 20250.05%
Q4 20250.06%
Q1 20260.10%
Q2 20260.27%
Return on assets
0.57%1.29%2.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.84%
Q4 20240.57%
Q1 20251.48%
Q2 20251.47%
Q3 20251.51%
Q4 20251.11%
Q1 20262.01%
Q2 20261.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$223.9M14.80%0.27%1.96%94.2%
Q1 202692$225.6M14.22%0.10%2.01%90.9%
Q4 202585$218.5M14.17%0.06%1.11%91.1%
Q3 202588$216.2M14.32%0.05%1.51%93.6%
Q2 202587$216.3M13.92%0.13%1.47%90.3%
Q1 202587$210.7M13.91%0.12%1.48%87.0%
Q4 202479$211.6M13.48%0.14%0.57%86.1%
Q3 202483$207.7M13.79%0.02%0.84%86.8%
Q2 202482$206.0M13.64%0.04%0.76%83.3%

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 ratio14.80%
84th
Problem loans0.27%
84th
Net charge-offs0.07%
89th
Return on assets1.96%
97th
Loans to deposits94.2%
9th
Uninsured deposits3.9%
73rd
Loan-loss reserves0.00%
50th
Texas ratio1.5%
82nd

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Palisades Federal Credit UnionCredit union Pearl River, NY52 out of 100, Below average$212.2M9.0%0.93%vs
Ontario Shores Federal Credit UnionCredit union Newfane, NY68 out of 100, Moderate$208.4M10.7%1.16%vs
Financial Trust Federal Credit UnionCredit union Cheektowaga, NY89 out of 100, Very strong$203.4M15.0%0.51%vs
Ghs Federal Credit UnionCredit union Binghamton, NY46 out of 100, Below average$252.7M9.7%4.90%vs
Moog Employees Federal Credit UnionCredit union East Aurora, NY100 out of 100, Very strong$257.3M26.6%0.00%vs
Finger Lakes Federal Credit UnionCredit union Geneva, NY96 out of 100, Very strong$259.5M15.1%0.10%vs

Deposit insurance

Is my money safe at Western Division Federal Credit Union?

Yes. Western Division Federal Credit Union is a federally insured credit union (NCUA charter #24731). 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 3.9% of shares and deposits ($7.4M) 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 14.80%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

HMDA 2025

Mortgage lending

In 2025, Western Division Federal Credit Union reported 374 home-loan applications under HMDA (LEI 254900FDN5GT0HEKMT95): 304 originated ($28,990,000 total), 48 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.5%, 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
Western Division Federal Credit Union
Type
Federal credit union
NCUA charter #
24731
RSSD ID
917890
Primary regulator
NCUA
Established
1937
Headquarters
6750 Main St, Williamsville, NY 14221
Employees
32

Quick answers

Western Division Federal Credit Union: common questions

Is Western Division Federal Credit Union NCUA insured?

Yes. Western Division Federal Credit Union is a federally insured credit union (NCUA charter #24731). 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 Western Division Federal Credit Union's TellerScore?

91 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.