Credit Union Safety Analysis
Is Teachers Federal Credit Union Safe? Hauppauge, New York
Based on its Q2 2026 NCUA 5300 call report, Teachers Federal Credit Union has a net worth ratio of 11.03%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.19%, 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, Teachers Federal Credit Union's net worth ratio is 11.03%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.03%
- Delinquency ratio (60+ days) (Q2 2026): 1.19%
- Return on assets (Q2 2026): 0.75%
- Loan-to-share ratio (Q2 2026): 70.91%
Teachers Federal Credit Union (NCUA charter 8116, established 1952) reported $9.92B in assets and 486,565 members for Q2 2026 from Hauppauge, New York. It ranks 4 of 267 credit unions in New York by total assets. Total assets grew 0.4% from $9.88B on June 30, 2025. 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.
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: 10.81% for Q1 2026; 10.49% 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: 1.19% for Q1 2026; 1.24% 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: 1.02% for Q1 2026; 1.44% 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: 69.37% for Q1 2026; 69.14% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $3.19B
- Other secured non-real estate loans and lines of credit: $625.3M
- Used vehicle loans: $488.9M
- Commercial loans: $460.1M
- Other unsecured loans and lines of credit: $279.2M
- New vehicle loans: $157.4M
- Unsecured credit card loans: $114.9M
- Non-federally guaranteed student loans: $54.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.92B | 11.03% | 1.19% | 0.75% | 70.91% |
| March 31, 2026 | $9.94B | 10.81% | 1.19% | 1.02% | 69.37% |
| December 31, 2025 | $9.92B | 10.58% | 1.29% | 0.45% | 69.87% |
| September 30, 2025 | $9.90B | 10.69% | 1.21% | 0.88% | 68.50% |
| June 30, 2025 | $9.88B | 10.49% | 1.24% | 1.44% | 69.14% |
| March 31, 2025 | $9.89B | 10.12% | 0.98% | 0.54% | 72.12% |
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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.
Teachers Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 8116) · FFIEC NIC profile (RSSD 491783)
Frequently asked questions
Is Teachers Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Teachers Federal Credit Union's net worth ratio is 11.03%, above the 7% NCUA threshold for well capitalized.
Is Teachers Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Teachers Federal Credit Union is a federally insured credit union (NCUA charter 8116): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Teachers Federal Credit Union's key safety ratios?
For Q2 2026, Teachers Federal Credit Union reports net worth 11.03%, delinquency 1.19%, ROA 0.75%, loan-to-share 70.91%.
What happens to my money if Teachers Federal Credit Union fails?
For Q2 2026, Teachers Federal Credit Union held $8.22B in shares and deposits for 486,565 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.