TellerScore

Yonkers Teachers Federal Credit Union is a federal credit union headquartered in Yonkers, New York, in business for about 88 years. At the end of Q2 2026 it reported $57.4M in total assets and $48.7M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Yonkers Teachers Federal Credit Union scores 75/100, which we describe as strong. That is higher than 52% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 101st. Its strongest component is capital cushion (100/100; 15.03%), and its lowest is earnings (27/100; 0.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.03%
Loan quality60/100
Loans 60+ days delinquent ÷ total loans: 1.19%
Earnings27/100
Return on assets (annualized): 0.19%
Funding & liquidity100/100
Loans ÷ shares: 4.9% · 5.7% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.33%

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 (71 → 75), mostly because the loan quality component improved by 14 points.

TellerScore
717681Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202480
Q4 202480
Q1 202577
Q2 202571
Q3 202581
Q4 202580
Q1 202674
Q2 202675
Net worth ratio
7.00%11.10%15.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.42%
Q3 202414.16%
Q4 202414.32%
Q1 202514.41%
Q2 202514.43%
Q3 202515.06%
Q4 202515.20%
Q1 202615.14%
Q2 202615.03%
Delinquent loans (60+ days)
0.51%1.06%1.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.90%
Q3 20240.51%
Q4 20240.56%
Q1 20250.91%
Q2 20251.61%
Q3 20250.68%
Q4 20250.68%
Q1 20261.32%
Q2 20261.19%
Return on assets
0.16%0.25%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.16%
Q3 20240.34%
Q4 20240.29%
Q1 20250.30%
Q2 20250.27%
Q3 20250.31%
Q4 20250.26%
Q1 20260.17%
Q2 20260.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$57.4M15.03%1.19%0.19%4.9%
Q1 202674$56.8M15.14%1.32%0.17%5.3%
Q4 202580$56.5M15.20%0.68%0.26%6.1%
Q3 202581$56.9M15.06%0.68%0.31%6.4%
Q2 202571$59.0M14.43%1.61%0.27%5.2%
Q1 202577$58.8M14.41%0.91%0.30%5.6%
Q4 202480$58.9M14.32%0.56%0.29%6.3%
Q3 202480$59.4M14.16%0.51%0.34%6.1%
Q2 202473$62.0M13.42%0.90%0.16%5.4%

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 ratio15.03%
54th
Problem loans1.19%
34th
Net charge-offs1.59%
8th
Return on assets0.19%
27th
Loans to deposits4.9%
99th
Uninsured deposits5.7%
18th
Loan-loss reserves0.00%
37th
Texas ratio0.3%
78th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Saratoga'S Community Federal Credit UnionCredit union Saratoga Spring, NY65 out of 100, Moderate$57.9M8.6%0.33%vs
Educational and Governmental Federal Credit UnionCredit union Hartsdale, NY62 out of 100, Moderate$56.1M11.0%1.04%vs
Brooklyn CooperativeCredit union Brooklyn, NY35 out of 100, Low$55.9M10.0%4.01%vs
Oswego Teachers Employees Federal Credit UnionCredit union Oswego, NY73 out of 100, Strong$59.1M11.7%0.00%vs
Rt Federal Credit UnionCredit union Rome, NY63 out of 100, Moderate$59.2M10.6%0.49%vs
Remington Federal Credit UnionCredit union Ilion, NY88 out of 100, Very strong$59.9M15.1%0.76%vs

Deposit insurance

Is my money safe at Yonkers Teachers Federal Credit Union?

Yes. Yonkers Teachers Federal Credit Union is a federally insured credit union (NCUA charter #2819). 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 5.7% 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 15.03%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Yonkers Teachers Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Yonkers Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
2819
RSSD ID
713672
Primary regulator
NCUA
Established
1938
Headquarters
PO Box 1066, Yonkers, NY 10703
Employees
4

Quick answers

Yonkers Teachers Federal Credit Union: common questions

Is Yonkers Teachers Federal Credit Union NCUA insured?

Yes. Yonkers Teachers Federal Credit Union is a federally insured credit union (NCUA charter #2819). 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 Yonkers Teachers Federal Credit Union's TellerScore?

75 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 Yonkers Teachers Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%vs
Gha Federal Credit UnionCredit union Greenwich, CT91 out of 100, Very strong$29.7M17.5%0.56%vs