Federal credit union · POUGHKEEPSIE, New York · NCUA charter #19401
TEG
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $489.6M
- Total assets
- 35,655
- Members
- 8.9%
- Net-worth ratio
TEG scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $489.6M; members 35,655; net-worth ratio 8.87%; health rank #858 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#858 of 4,374 health · 2025Q4TEG · health 92/100 · $489.6M · 2025Q4
Call Report peers
TEG in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TEG vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TEG sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for TEG
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +14.53 pp (86.73% vs 72.20%).
- Net Worth Ratio trails the peer set - 8.87% here, 12.11% peer average (-3.24 pp).
TEG in New York
- Health composite ranks #48 of 272 among scored New York credit unions.
- Assets rank #37 of 272 inside New York ($489.6M reported).
- Member book place in New York: #33 of 272.
- One place up in New York, Salt City (#47) ties at 92/100; one place down, Moog Employees (#49) scores 91/100, 1 point lower.
Quarter path for TEG
TEG: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $489.6M (2025Q4) to $498.0M (2026Q1).
- Net-worth ratio shifted +0.09 pp (8.78% → 8.87%).
This credit union's 8.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
TEG gives up 8 points in total. Member Growth costs the most, 4.7 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 27.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.9 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.87% | -3.24 pp |
| Delinquency Rate | 0.47% | -0.42 pp |
| Return on Assets | 0.49% | -0.13 pp |
| Member Growth | 1.06% | - |
| Loan-to-Share Ratio | 86.73% | +14.53 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $498.0M | - |
| 2025Q4 | $489.6M | 35,655 |
| 2024Q4 | $449.9M | 35,281 |
| 2023Q4 | $431.3M | 37,446 |
Credit Union Details
- Charter Number
- 19401
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- POUGHKEEPSIE
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, TEG runs 9 offices in 7 different cities.
| Office | City |
|---|---|
| TEG FCU (Main Office) | Poughkeepsie, NY |
| Hyde Park Office | Hyde Park, NY |
| Crystal Run | Middletown, NY |
| Modena | Modena, NY |
| Newburgh Branch | Newburgh, NY |
| College Center Branch | Poughkeepsie, NY |
| Beekman Office | Poughquag, NY |
| Wappingers Falls Office | Wappingers Falls, NY |
| Wappingers Rt. 9 | Wappingers Falls, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
TEG nationwide neighbourhoods
Using this data
- TEG ranks #858 of 4,374 nationally on financial health and #48 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ADVANTAGE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ADVANTAGE
Frequently Asked Questions
Is TEG financially healthy?
TEG has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #858 of 4,374 nationally on health and #48 of 272 in New York. Its net worth ratio is 8.87% and its delinquency rate 0.47%.
How does TEG compare to other credit unions?
TEG scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (86.73% vs 72.20%). Its widest shortfall is net worth ratio (8.87% vs 12.11%).
How can I join TEG?
TEG operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact TEG directly for the exact boundaries and application steps.
Is my money safe at TEG?
TEG is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. TEG's net worth ratio of 8.87% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.