Harrison Teachers Federal Credit Union Harrison, New York
Harrison Teachers Federal Credit Union is a federal credit union headquartered in Harrison, NY, established in 1938 (NCUA charter 2806), and it is regulated and insured by the NCUA. At Q2 2026 it reported 255 members and total assets of $1.0M (down 15.7% from Q2 2025), the 250th largest of 267 credit unions headquartered in New York. Its net worth ratio was 18.30% at Q2 2026, in the well capitalized band.
Also written as Harrison Teachers FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 2806
- Headquarters
- Harrison, NY
- Established
- 1938
- Total assets, Q2 2026
- $1.0M
- Assets vs Q2 2025
- -15.7%
- Members, Q2 2026
- 255
- Net worth ratio, Q2 2026
- 18.30%
- Latest call report
- Q2 2026, NCUA 5300 · Harrison Teachers Federal Credit Union call report
- Asset rank in state
- 250th of 267 in New York
- Routing number
- 221975817
- Branches
- 2
It has 8 fewer members than on June 30, 2025 (-3.0%). Its net worth ratio was up 3.20 percentage points from 15.10% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $290K of $290K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 8.92% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 18.30% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Harrison Teachers Federal Credit Union
How big is Harrison Teachers Federal Credit Union?
At Q2 2026 it reported total assets of $1.0M and 255 members.
Where is Harrison Teachers Federal Credit Union headquartered?
It is headquartered in Harrison, NY, United States.
When was Harrison Teachers Federal Credit Union founded?
It was established in 1938, per NCUA records.
Is Harrison Teachers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 2806): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Harrison Teachers Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Harrison Teachers Federal Credit Union well capitalized?
Its net worth ratio was 18.30% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Harrison Teachers Federal Credit Union's delinquency ratio?
Its delinquency ratio was 8.92% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Harrison Teachers Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 35.41% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Harrison, NY 10528
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1938
- NCUA Charter #
- 2806
- RSSD ID
- 977577
- Members
- 255
- Potential members
- 265
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.30% | 14.31% | 70th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 2.96% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 16.18% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.68% | 3.93% | 78th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 36.74% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.08% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 8.92% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.76% | 4.70% | 53rd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 35.41% | 58.92% | 17th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.0M total assets against $1.2M; $819K total shares and deposits against $1.0M; $290K total loans against $295K.
$184K net worth against $181K.
18.30% net worth ratio against 15.10%.
35.41% loan-to-share ratio against 29.19%.
8.92% delinquency ratio against 4.48%.
2.96% return on assets against 6.63%; 16.18% return on equity against 43.91%.
4.68% net interest margin.
255 members against 263.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.30% | 2.96% | 8.92% | 35.41% |
| March 31, 2026 | 13.98% | -0.71% | 4.72% | 28.34% |
| December 31, 2025 | 16.45% | 0.62% | 6.44% | 34.26% |
| September 30, 2025 | 19.46% | -8.09% | 1.58% | 40.65% |
| June 30, 2025 | 15.10% | 6.63% | 4.48% | 29.19% |
| March 31, 2025 | 12.02% | 0.43% | 4.76% | 24.82% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.