Federal credit union · AUBURN, New York · NCUA charter #988
Auburn Community
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $118.1M
- Total assets
- 7,723
- Members
- 12.3%
- Net-worth ratio
Auburn Community scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $118.1M; members 7,723; net-worth ratio 12.32%; health rank #1,452 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,452 of 4,374 health · 2025Q4Auburn Community · health 88/100 · $118.1M · 2025Q4
- BOOK 88/100
- CHARTER 12.3%
- NCUSIF 0.24%
- CAMELS 0.88%
- HEALTH $118.1M
- NW 7,723
- DELQ #1,452/4,374
- ROA TRIANGLE
- ASSETS 988
Call Report peers
Auburn Community in the assets neighbourhood
Auburn Community's $118.1M assets sit next to TRIANGLE ($118.1M) 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.
Auburn Community 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
88 Top 35% higher than 65% 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
Auburn Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #988, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Auburn Community
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.65 pp (0.24% vs 0.89%).
- Loan-to-Share Ratio trails the peer set - 35.06% here, 72.20% peer average (-37.14 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Auburn Community sits in New York
- New York health ordinal: #80 of 272.
- New York assets place: #80 of 272.
- New York membership ordinal: #85 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.
How Auburn Community's 5300 filing moved
Auburn Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.5% from $118.1M (2025Q4) to $123.5M (2026Q1).
- Net-worth ratio shifted -0.30 pp (12.62% → 12.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.32%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.6 pts
- Loan-to-Share Ratio 9.4 pts
Auburn Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.32% | +0.21 pp |
| Delinquency Rate | 0.24% | -0.65 pp |
| Return on Assets | 0.88% | +0.26 pp |
| Member Growth | -0.25% | - |
| Loan-to-Share Ratio | 35.06% | -37.14 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Auburn Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $123.5M | - |
| 2025Q4 | $118.1M | 7,723 |
| 2024Q4 | $116.7M | 7,742 |
| 2023Q4 | $119.2M | 7,706 |
Credit Union Details
- Charter Number
- 988
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- AUBURN
- Data Quarter
- 2025Q4
Branch Locations (4)
Auburn Community operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office - 65 Wright Circle (Main Office) | AUBURN, NY |
| Branch - 101 Prospect St | Auburn, NY |
| Liverpool Branch | Liverpool, NY |
| Weedsport | Weedsport, 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 Auburn Community
Auburn Community'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 ($118.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Auburn Community ranks #1,452 of 4,374 nationally on financial health and #80 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- American Broadcast Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with American Broadcast Employees
- 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 Auburn Community financially healthy?
A 12.32% net worth ratio and a 0.24% delinquency rate feed into Auburn Community's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,452 of 4,374; by total assets it ranks #1,688 of 4,374 nationally (same basis as /rankings/largest); and #80 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Auburn Community compare to other credit unions?
On PlainCU's health composite, Auburn Community lands at 88/100, compared to a peer group average for $100M–$500M 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 Auburn Community?
Auburn Community 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 Auburn Community directly for the exact boundaries and application steps.
Is my money safe at Auburn Community?
Federal credit unions like Auburn Community 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. Auburn Community's net worth ratio of 12.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Auburn Community offer compared to banks?
Credit unions like Auburn Community 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 Auburn Community 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.