Federal credit union · Akron, New York · NCUA charter #13367
Akron School Employees
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $1.1M
- Total assets
- 206
- Members
- 18.9%
- Net-worth ratio
Akron School Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13367. See our deposit-insurance coverage note.
Akron School Employees - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth32
- Liquidity (loan-to-share)83
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
18.88% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.88% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 1.15% | 15% |
| Member Growth | -2.37% | 15% |
| Loan-to-Share Ratio | 58.43% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.1M | 206 |
| 2024Q4 | $1.1M | 211 |
| 2023Q4 | $1.3M | 218 |
Credit Union Details
- Charter Number
- 13367
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- Under $2M
- State
- New York
- City
- Akron
- Data Quarter
- 2025Q4
What This Data Says About Akron School Employees
Akron School Employees is a federal credit union headquartered in Akron, New York, serving 206 members with $1.1M in total assets and $497K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 87/100 (Excellent), anchored by a net worth ratio of 18.88% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #13367 operates under peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers - and a 58.43% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.15% on net income of $13K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.37%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Single Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Akron School Employees financially healthy?
Akron School Employees scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 18.88% net worth ratio and a 0.00% delinquency rate.
How does Akron School Employees compare to other credit unions?
PlainCU's health composite puts Akron School Employees at 87/100, compared to a peer group average for Under $2M 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 Akron School Employees?
Akron School Employees is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Akron School Employees directly to confirm eligibility.
Is my money safe at Akron School Employees?
Federal credit unions like Akron School Employees 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. Akron School Employees's net worth ratio of 18.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Akron School Employees offer compared to banks?
Credit unions like Akron School Employees 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 Akron School Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.