Long Beach Teachers Federal Credit Union Long Beach, New York
Long Beach Teachers Federal Credit Union is a federal credit union headquartered in Long Beach, NY, established in 1939 (NCUA charter 3256), and it is regulated and insured by the NCUA. At Q2 2026 it reported 353 members and total assets of $2.8M (down 3.5% from Q2 2025), the 234th largest of 267 credit unions headquartered in New York. Its net worth ratio was 24.12% at Q2 2026, in the well capitalized band.
Also written as Long Beach 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
- 3256
- Headquarters
- Long Beach, NY
- Established
- 1939
- Total assets, Q2 2026
- $2.8M
- Assets vs Q2 2025
- -3.5%
- Members, Q2 2026
- 353
- Net worth ratio, Q2 2026
- 24.12%
- Latest call report
- Q2 2026, NCUA 5300 · Long Beach Teachers Federal Credit Union call report
- Asset rank in state
- 234th of 267 in New York
- Routing number
- 221476316
- Branches
- 1
It has 17 fewer members than on June 30, 2025 (-4.6%). Its net worth ratio was up 1.16 percentage points from 22.96% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $598K of $683K in total loans on its June 30, 2026 filing.
Credit unions similar in size in New York
Frequently asked about Long Beach Teachers Federal Credit Union
How big is Long Beach Teachers Federal Credit Union?
At Q2 2026 it reported total assets of $2.8M and 353 members.
Where is Long Beach Teachers Federal Credit Union headquartered?
It is headquartered in Long Beach, NY, United States.
When was Long Beach Teachers Federal Credit Union founded?
It was established in 1939, per NCUA records.
Is Long Beach Teachers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 3256): 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 Long Beach Teachers Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Long Beach Teachers Federal Credit Union well capitalized?
Its net worth ratio was 24.12% 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 Long Beach Teachers Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 32.27% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Long Beach, NY 11561
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 3256
- RSSD ID
- 558471
- Members
- 353
- Potential members
- 1,100
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 2 of 5 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 24.12% | 14.31% | 86th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.17% | 0.72% | 19th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -0.69% | 4.74% | 20th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.10% | 3.93% | 57th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.13% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.23% | 4.70% | 26th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 32.27% | 58.92% | 14th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.8M total assets against $2.9M; $2.1M total shares and deposits against $2.2M; $683K total loans against $891K.
$673K net worth against $663K.
24.12% net worth ratio against 22.96%.
32.27% loan-to-share ratio against 40.03%.
-0.17% return on assets against -1.50%; -0.69% return on equity against -6.53%.
4.10% net interest margin against 4.44%.
353 members against 370.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 24.12% | -0.17% | — | 32.27% |
| March 31, 2026 | 24.11% | 0.79% | — | 35.20% |
| December 31, 2025 | 24.91% | 0.08% | — | 41.39% |
| September 30, 2025 | 25.43% | 0.68% | — | 46.81% |
| June 30, 2025 | 22.96% | -1.50% | — | 40.03% |
| March 31, 2025 | 22.59% | 1.38% | 1.10% | 41.48% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
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.