TellerScore

Western New York Federal Credit Union is a federal credit union headquartered in West Seneca, New York, in business for about 62 years. At the end of Q2 2026 it reported $92.6M in total assets and $81.5M in member shares and deposits, with 1 office.

Western New York Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 78th. Funding & liquidity contributes the most (100/100, 59% loans-to-deposits, 3% uninsured); earnings contributes the least (63/100, 1.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.47%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.33%
Earnings63/100
Return on assets (annualized): 1.07%
Funding & liquidity100/100
Loans ÷ shares: 58.7% · 2.6% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.48%

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 2 points (77 → 79), mostly because the earnings component weakened by 15 points.

TellerScore
687479Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202471
Q4 202473
Q1 202579
Q2 202577
Q3 202578
Q4 202579
Q1 202678
Q2 202679
Net worth ratio
7.00%9.23%11.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.83%
Q3 202410.01%
Q4 202410.32%
Q1 202510.30%
Q2 202510.57%
Q3 202511.00%
Q4 202511.35%
Q1 202611.18%
Q2 202611.47%
Delinquent loans (60+ days)
0.23%0.47%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.23%
Q3 20240.23%
Q4 20240.30%
Q1 20250.23%
Q2 20250.44%
Q3 20250.71%
Q4 20250.70%
Q1 20260.46%
Q2 20260.33%
Return on assets
0.43%1.03%1.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.73%
Q4 20240.96%
Q1 20251.50%
Q2 20251.44%
Q3 20251.59%
Q4 20251.63%
Q1 20261.21%
Q2 20261.07%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$92.6M11.47%0.33%1.07%58.7%
Q1 202678$93.1M11.18%0.46%1.21%56.2%
Q4 202579$89.2M11.35%0.70%1.63%62.1%
Q3 202578$88.5M11.00%0.71%1.59%61.2%
Q2 202577$88.1M10.57%0.44%1.44%65.2%
Q1 202579$87.5M10.30%0.23%1.50%62.6%
Q4 202473$84.1M10.32%0.30%0.96%68.8%
Q3 202471$83.3M10.01%0.23%0.73%70.3%
Q2 202468$82.0M9.83%0.23%0.43%73.4%

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 ratio11.47%
27th
Problem loans0.33%
67th
Net charge-offs0.22%
45th
Return on assets1.07%
71st
Loans to deposits58.7%
50th
Uninsured deposits2.6%
39th
Loan-loss reserves0.00%
37th
Texas ratio1.5%
59th

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Adirondack Regional Federal Credit UnionCredit union Tupper Lake, NY48 out of 100, Below average$88.3M9.5%2.14%vs
Crossroads Community Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$96.9M15.3%0.18%vs
St. Pius X Church Federal Credit UnionCredit union Rochester, NY45 out of 100, Below average$97.5M9.9%2.54%vs

Deposit insurance

Is my money safe at Western New York Federal Credit Union?

Yes. Western New York Federal Credit Union is a federally insured credit union (NCUA charter #16042). 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 2.6% of shares and deposits ($2.2M) 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 11.47%, 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

Western New York Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Western New York Federal Credit Union
Type
Federal credit union
NCUA charter #
16042
RSSD ID
561583
Primary regulator
NCUA
Established
1964
Headquarters
1937 Union Rd, West Seneca, NY 14224
Employees
16

Quick answers

Western New York Federal Credit Union: common questions

Is Western New York Federal Credit Union NCUA insured?

Yes. Western New York Federal Credit Union is a federally insured credit union (NCUA charter #16042). 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 New York Federal Credit Union's TellerScore?

79 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 Western New York Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near West Seneca

InstitutionScoreAssetsCapitalProblem loansCompare
Moog Employees Federal Credit UnionCredit union East Aurora, NY100 out of 100, Very strong$257.3M26.6%0.00%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$38.1M17.2%0.00%vs
Crossroads Community Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$96.9M15.3%0.18%vs
Meridia Community Federal Credit UnionCredit union Hamburg, NY94 out of 100, Very strong$144.1M16.4%0.27%vs