Troy Federal Credit Union Troy, New York
Troy Federal Credit Union is a federal credit union headquartered in Troy, NY, established in 1963 (NCUA charter 15928), and it is regulated and insured by the NCUA. At Q2 2026 it reported 535 members and total assets of $3.7M (up 9.1% from Q2 2025), the 231st largest of 267 credit unions headquartered in New York. Its net worth ratio was 15.79% at Q2 2026, in the well capitalized band.
Also written as Troy 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
- 15928
- Headquarters
- Troy, NY
- Established
- 1963
- Total assets, Q2 2026
- $3.7M
- Assets vs Q2 2025
- +9.1%
- Members, Q2 2026
- 535
- Net worth ratio, Q2 2026
- 15.79%
- Latest call report
- Q2 2026, NCUA 5300 · Troy Federal Credit Union call report
- Asset rank in state
- 231st of 267 in New York
- Routing number
- 221380554
- Branches
- 1
It has 24 more members than on June 30, 2025 (+4.7%). Its net worth ratio was down 1.18 percentage points from 16.97% on June 30, 2025. New vehicle loans are its largest loan category, $841K of $2.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.33% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 15.79% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Troy Federal Credit Union
How big is Troy Federal Credit Union?
At Q2 2026 it reported total assets of $3.7M and 535 members.
Where is Troy Federal Credit Union headquartered?
It is headquartered in Troy, NY, United States.
When was Troy Federal Credit Union founded?
It was established in 1963, per NCUA records.
Is Troy Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 15928): 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 Troy Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Troy Federal Credit Union well capitalized?
Its net worth ratio was 15.79% 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 Troy Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.33% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Troy Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 71.71% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Troy, NY 12180
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1963
- NCUA Charter #
- 15928
- RSSD ID
- 210685
- Members
- 535
- Potential members
- 1,200
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 1 of 6 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 15.79% | 14.31% | 57th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.11% | 0.72% | 24th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | 0.72% | 4.74% | 24th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.88% | 3.93% | 14th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.66% | 0.78% | 12th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.33% | 0.86% | 76th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.54% | 4.70% | 42nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 71.71% | 58.92% | 69th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.7M total assets against $3.4M; $3.1M total shares and deposits against $2.8M; $2.3M total loans against $2.0M.
$591K net worth against $582K.
15.79% net worth ratio against 16.97%.
71.71% loan-to-share ratio against 70.50%.
0.33% delinquency ratio against 0.43%.
0.11% return on assets against 0.17%; 0.72% return on equity against 0.98%.
2.88% net interest margin against 2.86%.
535 members against 511.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.79% | 0.11% | 0.33% | 71.71% |
| March 31, 2026 | 15.99% | 0.14% | — | 74.88% |
| December 31, 2025 | 16.02% | 0.37% | — | 63.31% |
| September 30, 2025 | 16.45% | 0.31% | — | 68.19% |
| June 30, 2025 | 16.97% | 0.17% | 0.43% | 70.50% |
| March 31, 2025 | 17.14% | 0.17% | 0.83% | 74.09% |
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.