Special Metals Federal Credit Union New Hartford, New York
Special Metals Federal Credit Union is a federal credit union headquartered in New Hartford, NY, established in 1961 (NCUA charter 14522), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,740 members and total assets of $22.1M (down 0.5% from Q2 2025), the 177th largest of 267 credit unions headquartered in New York. Its net worth ratio was 11.75% at Q2 2026, in the well capitalized band.
Also written as Special Metals FCU
BankRegReports is independent of Special Metals Federal Credit Union and never asks for online banking logins or passwords.
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
- 14522
- Headquarters
- New Hartford, NY
- Established
- 1961
- Total assets, Q2 2026
- $22.1M
- Assets vs Q2 2025
- -0.5%
- Members, Q2 2026
- 1,740
- Net worth ratio, Q2 2026
- 11.75%
- Latest call report
- Q2 2026, NCUA 5300 · Special Metals Federal Credit Union call report
- Asset rank in state
- 177th of 267 in New York
- Routing number
- 221376911
- Branches
- 1
It has 159 fewer members than on June 30, 2025 (-8.4%). Its net worth ratio was down 1.20 percentage points from 12.95% on June 30, 2025. Used vehicle loans are its largest loan category, $4.8M of $11.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.18% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.75% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in New York
Credit unions merged into Special Metals Federal Credit Union
Umico Federal Credit Union (2024)
Frequently asked about Special Metals Federal Credit Union
How big is Special Metals Federal Credit Union?
At Q2 2026 it reported total assets of $22.1M and 1,740 members.
Where is Special Metals Federal Credit Union headquartered?
It is headquartered in New Hartford, NY, United States.
When was Special Metals Federal Credit Union founded?
It was established in 1961, per NCUA records.
Is Special Metals Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 14522): 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 Special Metals Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Special Metals Federal Credit Union well capitalized?
Its net worth ratio was 11.75% 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 Special Metals Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.18% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Special Metals Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 56.16% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- New Hartford, NY 13413
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1961
- NCUA Charter #
- 14522
- RSSD ID
- 1009587
- Members
- 1,740
- Potential members
- 3,000
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 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.75% | 14.31% | 30th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.68% | 0.72% | 49th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 5.83% | 4.74% | 57th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.52% | 3.93% | 33rd below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 90.49% | 79.83% | 27th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.81% | 0.78% | 49th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.18% | 0.86% | 42nd below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.32% | 4.70% | 31st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 56.16% | 58.92% | 46th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$22.1M total assets against $22.2M; $19.5M total shares and deposits against $19.3M; $11.0M total loans against $14.5M.
$2.6M net worth against $2.9M.
11.75% net worth ratio against 12.95%.
56.16% loan-to-share ratio against 74.91%.
1.18% delinquency ratio against 7.54%.
0.68% return on assets against 0.73%; 5.83% return on equity against 5.63%.
3.52% net interest margin against 3.72%.
1,740 members against 1,899.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.75% | 0.68% | 1.18% | 56.16% |
| March 31, 2026 | 10.85% | -1.43% | 1.11% | 54.30% |
| December 31, 2025 | 11.96% | -1.08% | 1.58% | 63.99% |
| September 30, 2025 | 12.63% | -3.21% | 1.68% | 71.95% |
| June 30, 2025 | 12.95% | 0.73% | 7.54% | 74.91% |
| March 31, 2025 | 13.02% | 1.23% | 3.25% | 77.84% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.