Federal credit union · Attica, New York · NCUA charter #884
Att-wyo Correctional Employees
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $16.0M
- Total assets
- 1,602
- Members
- 16.9%
- Net-worth ratio
Att-wyo Correctional Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #884, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Att-wyo Correctional Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)59
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 16.87%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.87% | 30% |
| Delinquency Rate | 0.26% | 25% |
| Return on Assets | 1.42% | 15% |
| Member Growth | -4.98% | 15% |
| Loan-to-Share Ratio | 31.55% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $16.0M | 1,602 |
| 2024Q4 | $16.1M | 1,686 |
| 2023Q4 | $16.3M | 1,727 |
Credit Union Details
- Charter Number
- 884
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New York
- City
- Attica
- Data Quarter
- 2025Q4
What This Data Says About Att-wyo Correctional Employees
Charter #884, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Att-wyo Correctional Employees, a federal credit union in Attica, New York with 1,602 members, $16.0M in total assets, and $4.1M in outstanding loans as of Q4 2025. The five-factor composite scores it 79/100 (Very Good), helped by a net worth ratio of 16.87% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.26% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 31.55% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.42% on net income of $227K 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 -4.98%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Multiple Common Bond) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
- LONG ISLAND ALLIANCEHAUPPAUGE, NY · $10M–$50M87Health
- DUNLOP EMPLOYEESBuffalo, NY · $10M–$50M61Health
- BROCKPORTBrockport, NY · $10M–$50M32Health
- FASNYALBANY, NY · $10M–$50M87Health
- BUFFALO POLICEBuffalo, NY · $10M–$50M97Health
Compare Att-wyo Correctional Employees vs LONG ISLAND ALLIANCE
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 Att-wyo Correctional Employees financially healthy?
Att-wyo Correctional Employees scores 79/100 (Very Good) 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 16.87% net worth ratio and a 0.26% delinquency rate.
How does Att-wyo Correctional Employees compare to other credit unions?
On PlainCU's health composite, Att-wyo Correctional Employees lands at 79/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Att-wyo Correctional Employees?
Att-wyo Correctional Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Att-wyo Correctional Employees directly for the current list of qualifying groups.
Is my money safe at Att-wyo Correctional Employees?
Federal credit unions like Att-wyo Correctional 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. Att-wyo Correctional Employees's net worth ratio of 16.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Att-wyo Correctional Employees offer compared to banks?
Credit unions like Att-wyo Correctional 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 Att-wyo Correctional 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.