Federal credit union · AMHERST, New York · NCUA charter #5439
AMHERST
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $41.3M
- Total assets
- 3,860
- Members
- 10.3%
- Net-worth ratio
AMHERST scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $41.3M; members 3,860; net-worth ratio 10.26%; health rank #1,312 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,312 of 4,374 health · 2025Q4AMHERST · health 89/100 · $41.3M · 2025Q4
Call Report peers
AMHERST in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AMHERST vs every NCUA-scored credit union
AMHERST 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
AMHERST: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.04% here, 1.15% peer average (-1.10 pp).
- Net Worth Ratio trails the peer set - 10.26% here, 14.86% peer average (-4.60 pp).
New York standing for AMHERST
- New York health ordinal: #73 of 272.
- By total assets, AMHERST is #142 of 272 in New York.
- Member book place in New York: #120 of 272.
- One place up in New York, Special Metals (#72) ties at 89/100; one place down, Medisys Employees (#74) ties at 89/100.
AMHERST: 2025Q4 → 2026Q1
AMHERST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $41.3M (2025Q4) to $42.5M (2026Q1).
- Net-worth ratio shifted +0.01 pp (10.25% → 10.26%).
10.26% 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
AMHERST gives up 11 points in total. Member Growth costs the most, 7.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.2 pts
- Loan-to-Share Ratio 11.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.26% | -4.60 pp |
| Delinquency Rate | 0.04% | -1.10 pp |
| Return on Assets | 0.77% | +0.07 pp |
| Member Growth | -1.00% | - |
| Loan-to-Share Ratio | 55.79% | -4.01 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
AMHERST quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $42.5M | - |
| 2025Q4 | $41.3M | 3,860 |
| 2024Q4 | $40.8M | 3,899 |
| 2023Q4 | $40.5M | 3,954 |
Credit Union Details
- Charter Number
- 5439
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- AMHERST
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for AMHERST.
| Office | City |
|---|---|
| Amherst FCU (Main Office) | Williamsville, 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.
Other-state peers near AMHERST
Similar total assets
Using this data
- AMHERST ranks #1,312 of 4,374 nationally on financial health and #73 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SPENCERPORT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SPENCERPORT
Frequently Asked Questions
Is AMHERST financially healthy?
AMHERST has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,312 of 4,374 nationally on health and #73 of 272 in New York. Its net worth ratio is 10.26% and its delinquency rate 0.04%.
How does AMHERST compare to other credit unions?
AMHERST scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.04% vs 1.15%). Its widest shortfall is net worth ratio (10.26% vs 14.86%).
How can I join AMHERST?
AMHERST 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 AMHERST directly for the exact boundaries and application steps.
Is my money safe at AMHERST?
AMHERST 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. AMHERST's net worth ratio of 10.26% 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.