Federal credit union · Tonawanda, New York · NCUA charter #10225
Becco Buffalo
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $1.1M
- Total assets
- 154
- Members
- 24.5%
- Net-worth ratio
Becco Buffalo scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.1M; members 154; net-worth ratio 24.53%; health rank #75 of 4,374; healthier than 97th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#75 of 4,374 health · 2025Q4Becco Buffalo · health 98/100 · $1.1M · 2025Q4
- DELQ 98/100
- ROA 24.5%
- ASSETS 0.67%
- MEM 0.68%
- RANK $1.1M
- PHOTO 154
- BOOK #75/4,374
- CHARTER n/a
- NCUSIF 10225
Call Report peers
Becco Buffalo carries $1.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Becco Buffalo 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
98 Top 3% higher than 97% 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
Becco Buffalo - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #10225 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Becco Buffalo: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 76.54% here, 52.70% peer average (+23.84 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Becco Buffalo: in-state Call Report ranks
- New York health ordinal: #5 of 272.
- Assets rank #253 of 272 inside New York ($1.1M reported).
- Member book place in New York: #262 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.
Becco Buffalo Call Report trajectory
Becco Buffalo: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -7.8% from $1.1M (2025Q4) to $990K (2026Q1).
- Net-worth ratio shifted +2.70 pp (21.83% → 24.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
24.53% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.53% | +1.60 pp |
| Delinquency Rate | 0.67% | -3.80 pp |
| Return on Assets | 0.68% | +0.46 pp |
| Member Growth | 15300.00% | - |
| Loan-to-Share Ratio | 76.54% | +23.84 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Call Report history - Becco Buffalo
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $990K | - |
| 2025Q4 | $1.1M | 154 |
| 2024Q4 | $1.1M | 1 |
| 2023Q4 | $1.1M | 155 |
Credit Union Details
- Charter Number
- 10225
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New York
- City
- Tonawanda
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Becco Buffalo.
| Office | City |
|---|---|
| Main office (Main Office) | Tonawanda, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Other-state peers near Becco Buffalo
Cross-state asset and health neighbours for Becco Buffalo - kept outside New York; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- Becco Buffalo ranks #75 of 4,374 nationally on financial health and #5 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Amnh Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Amnh 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 Becco Buffalo financially healthy?
A 24.53% net worth ratio and a 0.67% delinquency rate feed into Becco Buffalo's financial health score of 98/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #75 of 4,374; by total assets it ranks #4,222 of 4,374 nationally (same basis as /rankings/largest); and #253 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Becco Buffalo compare to other credit unions?
On PlainCU's health composite, Becco Buffalo lands at 98/100, compared to a peer group average for Under $2M 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 Becco Buffalo?
Becco Buffalo 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 Becco Buffalo directly for the exact boundaries and application steps.
Is my money safe at Becco Buffalo?
Federal credit unions like Becco Buffalo 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. Becco Buffalo's net worth ratio of 24.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Becco Buffalo offer compared to banks?
Credit unions like Becco Buffalo 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 Becco Buffalo 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.