Credit Union Safety Analysis
Is Troy Federal Credit Union Safe? Troy, New York
Based on its Q2 2026 NCUA 5300 call report, Troy Federal Credit Union has a net worth ratio of 15.79%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.33%, 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, Troy Federal Credit Union's net worth ratio is 15.79%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.79%
- Delinquency ratio (60+ days) (Q2 2026): 0.33%
- Return on assets (Q2 2026): 0.11%
- Loan-to-share ratio (Q2 2026): 71.71%
Troy Federal Credit Union (NCUA charter 15928, established 1963) reported $3.7M in assets and 535 members for Q2 2026 from Troy, New York. It ranks 231 of 267 credit unions in New York by total assets. Total assets grew 9.1% from $3.4M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 15.99% for Q1 2026; 16.97% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.43% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.14% for Q1 2026; 0.17% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 74.88% for Q1 2026; 70.50% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $841K
- Used vehicle loans: $760K
- Other unsecured loans and lines of credit: $656K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.7M | 15.79% | 0.33% | 0.11% | 71.71% |
| March 31, 2026 | $3.7M | 15.99% | — | 0.14% | 74.88% |
| December 31, 2025 | $3.7M | 16.02% | — | 0.37% | 63.31% |
| September 30, 2025 | $3.6M | 16.45% | — | 0.31% | 68.19% |
| June 30, 2025 | $3.4M | 16.97% | 0.43% | 0.17% | 70.50% |
| March 31, 2025 | $3.4M | 17.14% | 0.83% | 0.17% | 74.09% |
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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.
Troy Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 15928) · FFIEC NIC profile (RSSD 210685)
Frequently asked questions
Is Troy Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Troy Federal Credit Union's net worth ratio is 15.79%, above the 7% NCUA threshold for well capitalized.
Is Troy Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Troy Federal Credit Union is a federally insured credit union (NCUA charter 15928): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Troy Federal Credit Union's key safety ratios?
For Q2 2026, Troy Federal Credit Union reports net worth 15.79%, delinquency 0.33%, ROA 0.11%, loan-to-share 71.71%.
What happens to my money if Troy Federal Credit Union fails?
For Q2 2026, Troy Federal Credit Union held $3.1M in shares and deposits for 535 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.