Federal credit union · Cheektowaga, New York · NCUA charter #845
Buffalo Conrail
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $57.4M
- Total assets
- 2,551
- Members
- 22.8%
- Net-worth ratio
Buffalo Conrail - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #845 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Buffalo Conrail - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth67
- Liquidity (loan-to-share)66
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 22.75%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 22.75% | 30% |
| Delinquency Rate | 0.22% | 25% |
| Return on Assets | 1.56% | 15% |
| Member Growth | 0.83% | 15% |
| Loan-to-Share Ratio | 101.66% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $57.4M | 2,551 |
| 2024Q4 | $53.1M | 2,530 |
| 2023Q4 | $52.9M | 2,535 |
Credit Union Details
- Charter Number
- 845
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- Cheektowaga
- Data Quarter
- 2025Q4
What This Data Says About Buffalo Conrail
Buffalo Conrail is a federal credit union headquartered in Cheektowaga, New York, serving 2,551 members with $57.4M in total assets and $44.8M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 90/100 (Excellent), anchored by a net worth ratio of 22.75% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #845 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Two more numbers round out the picture: a 0.22% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers - and a 101.66% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.56% on net income of $896K 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 0.83%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) 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
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
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 Buffalo Conrail financially healthy?
Yes/no aside, the number is 90/100 (Excellent) - Buffalo Conrail's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 22.75% net worth ratio and 0.22% delinquency rate are the key drivers.
How does Buffalo Conrail compare to other credit unions?
PlainCU's health composite puts Buffalo Conrail at 90/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Buffalo Conrail?
Buffalo Conrail 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 Buffalo Conrail directly for the exact boundaries and application steps.
Is my money safe at Buffalo Conrail?
Federal credit unions like Buffalo Conrail 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. Buffalo Conrail's net worth ratio of 22.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Buffalo Conrail offer compared to banks?
Credit unions like Buffalo Conrail 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 Buffalo Conrail 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.