Suffolk Federal Credit Union Medford, New York
Suffolk Federal Credit Union is a federal credit union headquartered in Medford, NY, established in 1967 (NCUA charter 17914), and it is regulated and insured by the NCUA. At Q2 2026 it reported 73,482 members and total assets of $2.09B (up 7.8% from Q2 2025), the 15th largest of 267 credit unions headquartered in New York. Its net worth ratio was 8.54% at Q2 2026, in the well capitalized band.
Also written as Suffolk FCU · Trade name filed with the NCUA: Suffolk Credit Union
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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
- 17914
- Headquarters
- Medford, NY
- Established
- 1967
- Total assets, Q2 2026
- $2.09B
- Assets vs Q2 2025
- +7.8%
- Members, Q2 2026
- 73,482
- Net worth ratio, Q2 2026
- 8.54%
- Latest call report
- Q2 2026, NCUA 5300 · Suffolk Federal Credit Union call report
- Asset rank in state
- 15th of 267 in New York
- Routing number
- 221481181
- Branches
- 11
It has 4,839 fewer members than on June 30, 2025 (-6.2%). Its net worth ratio was down 0.12 percentage points from 8.66% on June 30, 2025. Its 60-day delinquency ratio of 0.52% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 8.54% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in New York
Credit unions merged into Suffolk Federal Credit Union
Frequently asked about Suffolk Federal Credit Union
How big is Suffolk Federal Credit Union?
At Q2 2026 it reported total assets of $2.09B and 73,482 members.
Where is Suffolk Federal Credit Union headquartered?
It is headquartered in Medford, NY, United States.
When was Suffolk Federal Credit Union founded?
It was established in 1967, per NCUA records.
Is Suffolk Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 17914): 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 Suffolk Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Suffolk Federal Credit Union well capitalized?
Its net worth ratio was 8.54% 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 Suffolk Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.52% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Suffolk Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 78.51% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Medford, NY 11763
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1967
- NCUA Charter #
- 17914
- RSSD ID
- 847586
- Members
- 73,482
- Potential members
- 2,945,029
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 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: 9.81% to 12.63% | 8.54% | 10.89% | under 10th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.69% | 0.89% | 33rd below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 8.09% | 8.07% | 50th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.63% | 3.45% | 11th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 72.04% | 70.59% | 45th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.80% | 1.68% | 41st below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.52% | 0.68% | 68th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.43% | 5.12% | 12th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 78.51% | 88.03% | 26th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.09B total assets against $1.94B; $1.82B total shares and deposits against $1.74B; $1.43B total loans against $1.31B.
$178.9M net worth against $168.3M.
8.54% net worth ratio against 8.66%.
78.51% loan-to-share ratio against 75.52%.
0.52% delinquency ratio against 0.45%.
0.69% return on assets against 0.43%; 8.09% return on equity against 4.91%.
2.63% net interest margin against 2.59%.
73,482 members against 78,321.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.54% | 0.69% | 0.52% | 78.51% |
| March 31, 2026 | 8.49% | 0.35% | 0.50% | 76.01% |
| December 31, 2025 | 8.54% | 0.47% | 0.53% | 76.82% |
| September 30, 2025 | 8.52% | 0.56% | 0.41% | 76.41% |
| June 30, 2025 | 8.66% | 0.43% | 0.45% | 75.52% |
| March 31, 2025 | 8.60% | 0.28% | 0.41% | 73.12% |
Scroll sideways to see every column.
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.