Credit Union Safety Analysis
Is Suffolk Federal Credit Union Safe? Medford, New York
Based on its Q2 2026 NCUA 5300 call report, Suffolk Federal Credit Union has a net worth ratio of 8.54%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.52%, 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, Suffolk Federal Credit Union's net worth ratio is 8.54%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.54%
- Delinquency ratio (60+ days) (Q2 2026): 0.52%
- Return on assets (Q2 2026): 0.69%
- Loan-to-share ratio (Q2 2026): 78.51%
Suffolk Federal Credit Union (NCUA charter 17914, established 1967) reported $2.09B in assets and 73,482 members for Q2 2026 from Medford, New York. It ranks 15 of 267 credit unions in New York by total assets. Total assets grew 7.8% from $1.94B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 8.49% for Q1 2026; 8.66% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.50% for Q1 2026; 0.45% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.35% for Q1 2026; 0.43% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 76.01% for Q1 2026; 75.52% for Q2 2025.
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.09B | 8.54% | 0.52% | 0.69% | 78.51% |
| March 31, 2026 | $2.07B | 8.49% | 0.50% | 0.35% | 76.01% |
| December 31, 2025 | $2.03B | 8.54% | 0.53% | 0.47% | 76.82% |
| September 30, 2025 | $2.01B | 8.52% | 0.41% | 0.56% | 76.41% |
| June 30, 2025 | $1.94B | 8.66% | 0.45% | 0.43% | 75.52% |
| March 31, 2025 | $1.93B | 8.60% | 0.41% | 0.28% | 73.12% |
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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.
Suffolk Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 17914) · FFIEC NIC profile (RSSD 847586)
Frequently asked questions
Is Suffolk Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Suffolk Federal Credit Union's net worth ratio is 8.54%, above the 7% NCUA threshold for well capitalized.
Is Suffolk Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Suffolk Federal Credit Union is a federally insured credit union (NCUA charter 17914): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Suffolk Federal Credit Union's key safety ratios?
For Q2 2026, Suffolk Federal Credit Union reports net worth 8.54%, delinquency 0.52%, ROA 0.69%, loan-to-share 78.51%.
What happens to my money if Suffolk Federal Credit Union fails?
For Q2 2026, Suffolk Federal Credit Union held $1.82B in shares and deposits for 73,482 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.