Credit Union Safety Analysis
Is Chen-Del-O Federal Credit Union Safe? Franklin, New York
Based on its Q2 2026 NCUA 5300 call report, Chen-Del-O Federal Credit Union has a net worth ratio of 12.93%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.48%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Chen-Del-O Federal Credit Union's net worth ratio is 12.93%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.93%
- Delinquency ratio (60+ days) (Q2 2026): 0.48%
- Return on assets (Q2 2026): 1.22%
- Loan-to-share ratio (Q2 2026): 28.90%
Chen-Del-O Federal Credit Union (NCUA charter 9517, established 1954) reported $34.9M in assets and 2,649 members for Q2 2026 from Franklin, New York. It ranks 153 of 267 credit unions in New York by total assets. Total assets grew 3.0% from $33.9M on June 30, 2025. It has 115 fewer members than on June 30, 2025 (-4.2%). Its net worth ratio was up 1.12 percentage points from 11.81% on June 30, 2025. Used vehicle loans are its largest loan category, $2.8M of $8.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.48% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 12.71% for Q1 2026; 11.81% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.64% for Q1 2026; 0.62% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.67% for Q1 2026; 1.90% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 29.16% for Q1 2026; 27.31% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $2.8M
- 1- to 4-family residential and other consumer real estate loans: $2.1M
- Other unsecured loans and lines of credit: $1.6M
- New vehicle loans: $903K
- Other secured non-real estate loans and lines of credit: $788K
- Unsecured credit card loans: $660K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $34.9M | 12.93% | 0.48% | 1.22% | 28.90% |
| March 31, 2026 | $34.7M | 12.71% | 1.64% | 1.67% | 29.16% |
| December 31, 2025 | $34.0M | 12.51% | 1.36% | 1.08% | 29.35% |
| September 30, 2025 | $33.1M | 12.63% | 0.49% | 2.17% | 29.99% |
| June 30, 2025 | $33.9M | 11.81% | 0.62% | 1.90% | 27.31% |
| March 31, 2025 | $33.0M | 11.63% | 0.30% | 2.28% | 27.73% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Chen-Del-O Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 9517) · FFIEC NIC profile (RSSD 1002887)
Frequently asked questions
Is Chen-Del-O Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Chen-Del-O Federal Credit Union's net worth ratio is 12.93%, above the 7% NCUA threshold for well capitalized.
Is Chen-Del-O Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Chen-Del-O Federal Credit Union is a federally insured credit union (NCUA charter 9517): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Chen-Del-O Federal Credit Union's key safety ratios?
For Q2 2026, Chen-Del-O Federal Credit Union reports net worth 12.93%, delinquency 0.48%, ROA 1.22%, loan-to-share 28.90%.
What happens to my money if Chen-Del-O Federal Credit Union fails?
For Q2 2026, Chen-Del-O Federal Credit Union held $30.4M in shares and deposits for 2,649 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.