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
- CHARTER 82/100
- NCUSIF 9.4%
- CAMELS 1.14%
- HEALTH 0.62%
- NW $87.3M
- DELQ 7,031
- ROA #2,470/4,374
- ASSETS Curis Financial
- MEM 5546
Call Report peers
Adirondack Regional in the assets neighbourhood
Adirondack Regional's $87.3M assets sit next to Curis Financial ($87.2M) 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.
Adirondack Regional 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
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
Adirondack Regional - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #5546. See our deposit-insurance coverage note.
Where Adirondack Regional diverges from peer averages
- Largest lag: Net Worth Ratio at 9.42% vs peer 13.62% (-4.20 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Adirondack Regional Call Report trajectory
Adirondack Regional: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $87.3M (2025Q4) to $86.9M (2026Q1).
- Net-worth ratio shifted +0.32 pp (9.10% → 9.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Adirondack Regional'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 ($87.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- 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 Adirondack Regional financially healthy?
A 9.42% net worth ratio and a 1.14% delinquency rate feed into Adirondack Regional's financial health score of 82/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,470 of 4,374; by total assets it ranks #1,943 of 4,374 nationally (same basis as /rankings/largest); and #99 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Adirondack Regional compare to other credit unions?
Adirondack Regional scores 82/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 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?
Federal credit unions like Adirondack Regional 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. Adirondack Regional's net worth ratio of 9.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Adirondack Regional offer compared to banks?
Credit unions like Adirondack Regional 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 Adirondack Regional 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.