Teachers Federal Credit Union Hauppauge, New York
Teachers Federal Credit Union is a federal credit union headquartered in Hauppauge, NY, established in 1952 (NCUA charter 8116), and it is regulated and insured by the NCUA. At Q2 2026 it reported 486,565 members and total assets of $9.92B (up 0.4% from Q2 2025), the 4th largest of 267 credit unions headquartered in New York. Its net worth ratio was 11.03% at Q2 2026, in the well capitalized band.
Trade names filed with the NCUA: Teachers and 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
- 8116
- Headquarters
- Hauppauge, NY
- Established
- 1952
- Total assets, Q2 2026
- $9.92B
- Assets vs Q2 2025
- +0.4%
- Members, Q2 2026
- 486,565
- Net worth ratio, Q2 2026
- 11.03%
- Latest call report
- Q2 2026, NCUA 5300 · Teachers Federal Credit Union call report
- Asset rank in state
- 4th of 267 in New York
- Routing number
- 221475786
- Branches
- 34
It has 10,046 more members than on June 30, 2025 (+2.1%). Its net worth ratio was up 0.54 percentage points from 10.49% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.19B of $5.83B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.19% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.03% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in New York
Credit unions merged into Teachers Federal Credit Union
Lomto Federal Credit Union (2018) · Melrose Credit Union (2018) · Projector Federal Credit Union (2018)
Frequently asked about Teachers Federal Credit Union
How big is Teachers Federal Credit Union?
At Q2 2026 it reported total assets of $9.92B and 486,565 members.
Where is Teachers Federal Credit Union headquartered?
It is headquartered in Hauppauge, NY, United States.
When was Teachers Federal Credit Union founded?
It was established in 1952, per NCUA records.
Is Teachers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 8116): 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 Teachers Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Teachers Federal Credit Union well capitalized?
Its net worth ratio was 11.03% 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 Teachers Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.19% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Teachers Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 70.91% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Hauppauge, NY 11788
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1952
- NCUA Charter #
- 8116
- RSSD ID
- 491783
- Members
- 486,565
- Potential members
- 342,617,520
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 1 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: 9.81% to 12.63% | 11.03% | 10.89% | 52nd above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.75% | 0.89% | 39th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 6.83% | 8.07% | 39th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.19% | 3.45% | 34th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 60.33% | 70.59% | 81st top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.81% | 1.68% | 40th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.19% | 0.68% | 20th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.00% | 5.12% | 43rd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 70.91% | 88.03% | 18th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$9.92B total assets against $9.88B; $8.22B total shares and deposits against $8.24B; $5.83B total loans against $5.70B.
$1.09B net worth against $1.04B.
11.03% net worth ratio against 10.49%.
70.91% loan-to-share ratio against 69.14%.
1.19% delinquency ratio against 1.24%.
0.75% return on assets against 1.44%; 6.83% return on equity against 13.66%.
3.19% net interest margin against 2.81%.
486,565 members against 476,519.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.03% | 0.75% | 1.19% | 70.91% |
| March 31, 2026 | 10.81% | 1.02% | 1.19% | 69.37% |
| December 31, 2025 | 10.58% | 0.45% | 1.29% | 69.87% |
| September 30, 2025 | 10.69% | 0.88% | 1.21% | 68.50% |
| June 30, 2025 | 10.49% | 1.44% | 1.24% | 69.14% |
| March 31, 2025 | 10.12% | 0.54% | 0.98% | 72.12% |
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.