Federal credit union · CLINTON, New York · NCUA charter #5579
ACCESS
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $307.0M
- Total assets
- 23,172
- Members
- 9.2%
- Net-worth ratio
ACCESS scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $307.0M; members 23,172; net-worth ratio 9.15%; health rank #1,342 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,342 of 4,374 health · 2025Q4ACCESS · health 89/100 · $307.0M · 2025Q4
Call Report peers
ACCESS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ACCESS vs every NCUA-scored credit union
ACCESS sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
ACCESS: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.29% vs peer 0.89% (-0.60 pp).
- Largest lag: Loan-to-Share Ratio at 55.00% vs peer 72.20% (-17.20 pp).
ACCESS in New York
- New York health ordinal: #75 of 272.
- Assets rank #49 of 272 inside New York ($307.0M reported).
- Membership ranks #40 of 272 among New York CUs with a reported count (23,172 members).
- One place up in New York, Medisys Employees (#74) ties at 89/100; one place down, Genesee Co-Op (#76) scores 88/100, 1 point lower.
How ACCESS's 5300 filing moved
ACCESS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $307.0M (2025Q4) to $317.0M (2026Q1).
- Net-worth ratio shifted +0.05 pp (9.10% → 9.15%).
9.15% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
ACCESS gives up 11 points in total. Member Growth costs the most, 5.7 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 27.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 11.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.15% | -2.96 pp |
| Delinquency Rate | 0.29% | -0.60 pp |
| Return on Assets | 0.72% | +0.10 pp |
| Member Growth | 0.25% | - |
| Loan-to-Share Ratio | 55.00% | -17.20 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
ACCESS quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $317.0M | - |
| 2025Q4 | $307.0M | 23,172 |
| 2024Q4 | $269.8M | 23,115 |
| 2023Q4 | $247.8M | 22,807 |
Credit Union Details
- Charter Number
- 5579
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- CLINTON
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for ACCESS, spread across 5 cities.
| Office | City |
|---|---|
| Clinton Office (Main Office) | Clinton, NY |
| Camden Office | Camden, NY |
| Oneida Office | Oneida, NY |
| Rome Office | Rome, NY |
| Sherrill Office | Sherrill, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
ACCESS nationwide neighbourhoods
Similar total assets
Using this data
- ACCESS ranks #1,342 of 4,374 nationally on financial health and #75 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SECNY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SECNY
Frequently Asked Questions
Is ACCESS financially healthy?
ACCESS has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,342 of 4,374 nationally on health and #75 of 272 in New York. Its net worth ratio is 9.15% and its delinquency rate 0.29%.
How does ACCESS compare to other credit unions?
ACCESS scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.29% vs 0.89%). Its widest shortfall is loan-to-share ratio (55.00% vs 72.20%).
How can I join ACCESS?
ACCESS 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 ACCESS directly for the exact boundaries and application steps.
Is my money safe at ACCESS?
ACCESS 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. ACCESS's net worth ratio of 9.15% 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.