Q2 2026 call reports
Best credit unions in New York
Scored on what members get, from the call reports filed with NCUA for the quarter ended June 30, 2026, the best credit union serving New York is Titan Federal Credit Union with 79.1 out of 100, followed by Western Division Federal Credit Union (76.0) and Community Resource Federal Credit Union (69.5). The score weighs deposit dividends, loan rates, fees, financial strength and member growth against credit unions of the same size.
No paid placements and no reviews: only NCUA figures. A credit union must hold at least $50 million in assets and be well capitalized to be scored. Check that you are eligible to join.
- Best for saversUsalliance Federal Credit Union 100th percentile
- Lowest loan ratesDannemora Federal Credit Union 91th percentile
- Lowest feesPittsford Federal Credit Union 99th percentile
- Strongest balance sheetGenesee Valley Federal Credit Union 91th percentile
Top 25 credit unions in New York most people can look at
Credit unions headquartered in New York or with offices there that estimate 100,000 or more potential members on their call report, or that anyone in the US can join. Each part is a percentile against NCUA peers of the same size, 100 best; the score is their weighted average.
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | Titan Federal Credit UnionPleasant Gap, PA · 1 office here | 79.1 | 85 | 71 | 95 | 74 | 64 | $69.5M |
| 2 | Western Division Federal Credit UnionWilliamsville, NY | 76.0 | 68 | 62 | 91 | 83 | 87 | $223.9M |
| 3 | Community Resource Federal Credit UnionLatham, NY | 69.5 | 92 | 35 | 93 | 48 | 95 | $120.3M |
| 4 | Usalliance Federal Credit UnionRye, NY | 69.2 | 100 | 62 | 87 | 22 | 70 | $3.4B |
| 5 | Financial Trust Federal Credit UnionCheektowaga, NY | 68.4 | 51 | 82 | 80 | 73 | 46 | $203.4M |
| 6 | Corning Federal Credit UnionCorning, NY | 67.7 | 71 | 49 | 89 | 64 | 71 | $2.8B |
| 7 | Leatherstocking Region Federal Credit UnionCooperstown, NY | 66.1 | 77 | 60 | 62 | 53 | 89 | $107.7M |
| 8 | The Summit Federal Credit UnionRochester, NY | 65.1 | 70 | 56 | 67 | 73 | 56 | $1.5B |
| 9 | Empower Federal Credit UnionSyracuse, NY | 64.3 | 86 | 56 | 76 | 25 | 86 | $4.3B |
| 10 | Justice Federal Credit UnionChantilly, VA · 1 office here | 63.7 | 47 | 63 | 89 | 44 | 96 | $1.1B |
| 11 | Crossroads Community Federal Credit UnionCheektowaga, NY | 63.6 | 58 | 58 | 83 | 78 | 23 | $96.9M |
| 12 | Pittsford Federal Credit UnionPittsford, NY | 63.3 | 34 | 78 | 99 | 66 | 24 | $542.3M |
| 13 | Servu Federal Credit UnionPainted Post, NY | 62.7 | 5 | 66 | 95 | 82 | 96 | $529.2M |
| 14 | Ocean Financial Federal Credit UnionOceanside, NY | 62.4 | 93 | 69 | 91 | 5 | 29 | $403.3M |
| 15 | FourLeaf Federal Credit UnionBethpage, NY · open to anyone | 61.5 | 85 | 46 | 95 | 9 | 80 | $14.4B |
| 16 | Affinity Federal Credit UnionBasking Ridge, NJ · 3 offices here | 61.5 | 78 | 58 | 78 | 19 | 81 | $4.4B |
| 17 | TCT Federal Credit UnionBallston Spa, NY | 61.4 | 43 | 89 | 79 | 36 | 56 | $295.6M |
| 18 | Inner Lakes Federal Credit UnionWestfield, NY | 61.4 | 40 | 64 | 87 | 41 | 98 | $165.9M |
| 19 | Teachers Federal Credit UnionSmithtown, NY | 61.2 | 73 | 46 | 93 | 38 | 53 | $9.9B |
| 20 | First Heritage Federal Credit UnionCorning, NY | 60.6 | 51 | 49 | 76 | 66 | 71 | $839.7M |
| 21 | Compass Federal Credit UnionOswego, NY | 60.6 | 16 | 73 | 90 | 76 | 50 | $101.5M |
| 22 | American Airlines Federal Credit UnionFort Worth, TX · 4 offices here | 60.4 | 96 | 48 | 49 | 62 | 22 | $9.5B |
| 23 | Dannemora Federal Credit UnionPlattsburgh, NY | 59.4 | 12 | 91 | 61 | 72 | 72 | $320.3M |
| 24 | Polish & Slavic Federal Credit UnionBrooklyn, NY | 58.7 | 5 | 72 | 90 | 73 | 68 | $2.7B |
| 25 | Great Erie Federal Credit UnionOrchard Park, NY | 58.5 | 22 | 64 | 80 | 63 | 83 | $149.6M |
Top scores among New York credit unions for specific groups
These serve a closed field of membership, such as one employer's staff, a profession or a church, with under 100,000 potential members. If you belong to the group, they are worth a look.
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | Self Reliance Financial Federal Credit UnionNew York, NY | 83.5 | 99 | 55 | 100 | 76 | 100 | $2.0B |
| 2 | Oswego Teachers Employees Federal Credit UnionOswego, NY | 82.0 | 89 | 72 | 96 | 68 | 89 | $59.1M |
| 3 | Buffalo Conrail Federal Credit UnionCheektowaga, NY | 80.9 | 68 | 85 | 92 | 91 | 60 | $61.0M |
| 4 | Moog Employees Federal Credit UnionEast Aurora, NY | 80.7 | 52 | 91 | 99 | 100 | 53 | $257.3M |
| 5 | Utica Gas & Electric Emp Federal Credit UnionNew Hartford, NY | 78.6 | 97 | 62 | 98 | 51 | 91 | $135.9M |
| 6 | SJP Federal Credit UnionBuffalo, NY | 73.6 | 100 | 59 | 95 | 40 | 69 | $187.7M |
| 7 | N C P D Federal Credit UnionPlainview, NY | 73.3 | 84 | 74 | 62 | 93 | 29 | $908.8M |
| 8 | Lufthansa Emp. Federal Credit UnionWestbury, NY | 71.7 | 99 | 54 | 81 | 77 | 19 | $95.2M |
| 9 | Triboro Postal Federal Credit UnionFlushing, NY | 69.5 | 94 | 61 | 96 | 45 | 25 | $83.9M |
| 10 | Yonkers Teachers Federal Credit UnionYonkers, NY | 68.6 | 97 | 39 | 100 | 48 | 52 | $57.4M |
Not eligible locally? Best credit unions anyone can join
These say on their own sites that almost anyone in the US can join, usually through a partner association. How to join each one
| # | Credit union | Score | Pays savers | Loan rates | Low fees | Strength | Members joining | Assets |
|---|---|---|---|---|---|---|---|---|
| 1 | Chevron Federal Credit UnionConcord, CA · open to anyone | 78.3 | 98 | 65 | 92 | 78 | 37 | $5.4B |
| 2 | Alliant Credit UnionChicago, IL · open to anyone | 71.0 | 99 | 57 | 100 | 28 | 65 | $20.0B |
| 3 | First Technology Federal Credit UnionSan Jose, CA · open to anyone | 68.5 | 95 | 37 | 99 | 29 | 99 | $27.9B |
| 4 | NASA Federal Credit UnionUpper Marlboro, MD · open to anyone | 67.3 | 98 | 49 | 87 | 55 | 21 | $5.8B |
| 5 | Lake Michigan Credit UnionGrand Rapids, MI · open to anyone | 66.8 | 96 | 29 | 64 | 72 | 84 | $17.3B |
How the score works
- Pays savers, 25%: dividends and interest paid on deposits (dividends paid on deposits).
- Loan rates, 25%: the average of its percentiles on the new auto, used auto, credit card, personal loan and first mortgage rates it reported, lower being better (at least two needed).
- Low fees, 20%: fee income per member, lower being better.
- Strength, 20%: the average of its net worth ratio and its share of loans 60 or more days late.
- Members joining, 10%: member growth over 12 months.
Each part is the credit union's percentile among NCUA's peer group of the same asset size, so a $60 million credit union is measured against other $50 million to $100 million credit unions. If member growth is missing, the other parts are reweighted. Ratios follow NCUA's Financial Performance Report. The national list · Definitions
Source: NCUA 5300 Call Report quarterly data and branch file, Q2 2026. Not affiliated with NCUA or any credit union. 144 credit unions scored for New York. · All New York credit unions · New York loan rates · By city
Questions people ask
What is the best credit union in New York?
On our score, built only from NCUA call-report data for Q2 2026, Titan Federal Credit Union ranks first among credit unions with a broad field of membership that serve New York, at 79.1 out of 100, followed by Western Division Federal Credit Union (76.0) and Community Resource Federal Credit Union (69.5). The best one for you depends on what you need: the lists of best for savers, borrowers and low fees on this page split that out.
Can I join these credit unions?
Every credit union limits who can join. The main list keeps to credit unions that estimate 100,000 or more potential members on their call report, which usually means a whole community or many employers, so many people living or working nearby can join. Check the eligibility rules on the credit union's own site. If you are not eligible anywhere local, the credit unions anyone in the US can join are listed below.
Is money at these credit unions insured?
Yes. Every credit union scored here is federally insured by NCUA, which covers deposits up to $250,000 per owner, per insured credit union, for each account ownership category. Credit unions below a 7% net worth ratio, NCUA's line for well capitalized, are left off the list entirely.
Does anyone pay to be on this list?
No. The score uses only the figures each credit union filed with NCUA. Nobody can pay for a place, and no reviews or survey answers are mixed in.