TellerScore

Williamsville Federal Credit Union is a federal credit union headquartered in Amherst, New York, in business for about 73 years. At the end of Q2 2026 it reported $11.1M in total assets and $9.8M in member shares and deposits, with 2 offices.

Williamsville Federal Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than only 40% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 142nd. Funding & liquidity contributes the most (100/100, 52% loans-to-deposits, 2% uninsured); earnings contributes the least (4/100, -0.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.84%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.15%
Earnings4/100
Return on assets (annualized): -0.39%
Funding & liquidity100/100
Loans ÷ shares: 51.5% · 1.7% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.58%

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 (70 → 70).

TellerScore
486275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202475
Q4 202474
Q1 202574
Q2 202570
Q3 202573
Q4 202548
Q1 202653
Q2 202670
Net worth ratio
7.00%9.77%12.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.79%
Q3 202411.86%
Q4 202411.99%
Q1 202511.57%
Q2 202511.37%
Q3 202512.53%
Q4 202511.98%
Q1 202612.18%
Q2 202611.84%
Delinquent loans (60+ days)
0.00%1.52%3.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.11%
Q1 20250.00%
Q2 20250.42%
Q3 20250.45%
Q4 20253.03%
Q1 20262.04%
Q2 20260.15%
Return on assets
-0.63%-0.24%0.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.34%
Q3 20240.15%
Q4 20240.13%
Q1 20250.06%
Q2 20250.03%
Q3 20250.16%
Q4 20250.05%
Q1 2026-0.63%
Q2 2026-0.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$11.1M11.84%0.15%-0.39%51.5%
Q1 202653$10.9M12.18%2.04%-0.63%54.2%
Q4 202548$11.2M11.98%3.03%0.05%55.5%
Q3 202573$10.8M12.53%0.45%0.16%60.8%
Q2 202570$11.7M11.37%0.42%0.03%56.8%
Q1 202574$11.5M11.57%0.00%0.06%58.9%
Q4 202474$11.1M11.99%0.11%0.13%62.9%
Q3 202475$11.3M11.86%0.00%0.15%64.6%
Q2 202469$12.3M10.79%0.00%-0.34%59.3%

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 ratio11.84%
30th
Problem loans0.15%
76th
Net charge-offs0.00%
77th
Return on assets-0.39%
12th
Loans to deposits51.5%
61st
Uninsured deposits1.7%
47th
Loan-loss reserves0.00%
37th
Texas ratio0.6%
73rd

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InstitutionScoreAssetsCapitalProblem loansCompare
Sing Sing Employees Federal Credit UnionCredit union Briarcliff Mano, NY73 out of 100, Strong$11.0M15.6%1.26%vs
Circuit Federal Credit UnionCredit union Cheektowaga, NY71 out of 100, Strong$11.5M13.3%0.39%vs
Metro Realtors Federal Credit UnionCredit union Melville, NY54 out of 100, Below average$10.6M9.6%0.50%vs
Cvph Employees Federal Credit UnionCredit union Plattsburgh, NY70 out of 100, Strong$10.4M10.8%0.04%vs
Directors Choice Credit UnionCredit union Albany, NY67 out of 100, Moderate$11.9M23.6%4.58%vs
Tompkins Employees Federal Credit UnionCredit union Ithaca, NY46 out of 100, Below average$12.1M10.2%5.70%vs

Deposit insurance

Is my money safe at Williamsville Federal Credit Union?

Yes. Williamsville Federal Credit Union is a federally insured credit union (NCUA charter #8618). 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 1.7% of shares and deposits ($167K) 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 11.84%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Williamsville Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Williamsville Federal Credit Union
Type
Federal credit union
NCUA charter #
8618
RSSD ID
134482
Primary regulator
NCUA
Established
1953
Headquarters
656 N French Rd Ste 7, Amherst, NY 14228
Employees
3

Quick answers

Williamsville Federal Credit Union: common questions

Is Williamsville Federal Credit Union NCUA insured?

Yes. Williamsville Federal Credit Union is a federally insured credit union (NCUA charter #8618). 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 Williamsville Federal Credit Union's TellerScore?

70 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 Williamsville Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Amherst

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
Crossroads Community Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$96.9M15.3%0.18%vs
Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$38.1M17.2%0.00%vs
Titan Federal Credit UnionCredit union Pleasant Gap, PA94 out of 100, Very strong$69.5M15.4%0.31%vs