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
- PHOTO 89/100
- BOOK 9.2%
- CHARTER 0.29%
- NCUSIF 0.72%
- CAMELS $307.0M
- HEALTH 23,172
- NW #1,342/4,374
- DELQ Financial Horizons
- ROA 5579
Call Report peers
ACCESS in the assets neighbourhood
ACCESS's $307.0M assets sit next to Financial Horizons ($307.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #5579 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How ACCESS's 5300 filing moved
ACCESS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $307.0M (2025Q4) to $317.0M (2026Q1).
- Net-worth ratio shifted +0.05 pp (9.10% → 9.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
ACCESS's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($307.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ACCESS financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - ACCESS's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,342 of 4,374; by total assets it ranks #1,028 of 4,374 nationally (same basis as /rankings/largest); and #49 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.15% net worth ratio and 0.29% delinquency rate are the key drivers.
How does ACCESS compare to other credit unions?
PlainCU's health composite puts ACCESS at 89/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like ACCESS are 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."
What rates does ACCESS offer compared to banks?
Credit unions like ACCESS are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ACCESS directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.