Federal credit union · TUPPER LAKE, New York · NCUA charter #5546
Adirondack Regional
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $87.3M
- Total assets
- 7,031
- Members
- 9.4%
- Net-worth ratio
Adirondack Regional scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $87.3M; members 7,031; net-worth ratio 9.42%; health rank #2,470 of 4,374; healthier than 43rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,470 of 4,374 health · 2025Q4Adirondack Regional · health 82/100 · $87.3M · 2025Q4
Call Report peers
Adirondack Regional in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Adirondack Regional vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Adirondack Regional sits in 80-84 with 767 others.
82 43rd percentile higher than 43% 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
Where Adirondack Regional diverges from peer averages
- Largest lag: Net Worth Ratio at 9.42% vs peer 13.62% (-4.20 pp).
New York standing for Adirondack Regional
- Health composite ranks #141 of 272 among scored New York credit unions.
- New York assets place: #99 of 272.
- New York membership ordinal: #89 of 272.
- One place up in New York, ACTORS (#140) ties at 82/100; one place down, Long Beach Teachers (#142) scores 81/100, 1 point lower.
Adirondack Regional Call Report trajectory
Adirondack Regional: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $87.3M (2025Q4) to $86.9M (2026Q1).
- Net-worth ratio shifted +0.32 pp (9.10% → 9.42%).
At 9.42%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Adirondack Regional gives up 18 points in total. Member Growth costs the most, 8 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 28.6 pts
- Delinquency Rate 18.9 pts
- Return on Assets 15.0 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 12.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.42% | -4.20 pp |
| Delinquency Rate | 1.14% | +0.18 pp |
| Return on Assets | 0.62% | -0.03 pp |
| Member Growth | -1.13% | - |
| Loan-to-Share Ratio | 61.23% | -1.37 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Adirondack Regional quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $86.9M | - |
| 2025Q4 | $87.3M | 7,031 |
| 2024Q4 | $82.9M | 7,111 |
| 2023Q4 | $82.7M | 7,044 |
Credit Union Details
- Charter Number
- 5546
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- TUPPER LAKE
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Adirondack Regional, spread across 4 cities in 2 states.
| Office | City |
|---|---|
| Tupper Lake (Main Office) | Tupper Lake, NY |
| Integrasys | Frisco, TX |
| Plattsburgh | Plattsburgh, NY |
| Potsdam | Potsdam, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Adirondack Regional
Using this data
- Adirondack Regional ranks #2,470 of 4,374 nationally on financial health and #141 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RADIUS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RADIUS
Frequently Asked Questions
Is Adirondack Regional financially healthy?
Adirondack Regional has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,470 of 4,374 nationally on health and #141 of 272 in New York. Its net worth ratio is 9.42% and its delinquency rate 1.14%.
How does Adirondack Regional compare to other credit unions?
Adirondack Regional scores 82/100, higher than 43% of the 4,374 scored credit unions. Its widest shortfall is net worth ratio (9.42% vs 13.62%).
How can I join Adirondack Regional?
Adirondack Regional 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 Adirondack Regional directly for the exact boundaries and application steps.
Is my money safe at Adirondack Regional?
Adirondack Regional 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. Adirondack Regional's net worth ratio of 9.42% 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.