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
Call Report peers
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Becco Buffalo vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Becco Buffalo sits in 95-99 with 391 others.
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in New York, First Heritage (#4) scores 99/100, 1 point higher; one place down, SERVU (#6) ties at 98/100.
Becco Buffalo Call Report trajectory
Becco Buffalo: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -7.8% from $1.1M (2025Q4) to $990K (2026Q1).
- Net-worth ratio shifted +2.70 pp (21.83% → 24.53%).
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
Becco Buffalo gives up 2 points in total. Delinquency Rate costs the most, 1.7 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Becco Buffalo financially healthy?
On its 2025Q4 NCUA 5300 filing, Becco Buffalo scores 98/100 (Excellent), with a 24.53% net worth ratio and 0.67% of loans delinquent. It ranks #75 of 4,374 nationally on health and #5 of 272 in New York.
How does Becco Buffalo compare to other credit unions?
Becco Buffalo scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (76.54% vs 52.70%).
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?
Becco Buffalo 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. Becco Buffalo's net worth ratio of 24.53% 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.