Credit union · NCUA insured
Chen-Del-O Federal Credit Union
A $34.7M credit union headquartered in Franklin, NY, with 2,677 members and 1 branch in New York. Best rates: CDs 3.75% APY.
Chen-Del-O Federal Credit Union Carrot Score
79
Carrot Score
Higher than 50% of U.S. banks and credit unions
#139 of 267 in New YorkHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Chen-Del-O Federal Credit Union
- Headquarters
- 114 Main St, Franklin, NY 13775
- NCUA charter
- 9517
Branches
1 branch in New York
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New York
1 branch
- Main OfficeMain office114 Main St, Franklin, NY 13775Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.93% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.48% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.46% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $29 | $59 | — |
- CapitalNet worth ratio12.93%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.48%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.46%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$29Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Chen-Del-O Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.