Federal credit union · Cheektowaga, New York · NCUA charter #845
Buffalo Conrail
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $57.4M
- Total assets
- 2,551
- Members
- 22.3%
- Net-worth ratio
Buffalo Conrail scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $57.4M; members 2,551; net-worth ratio 22.31%; health rank #1,030 of 4,374; healthier than 73rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,030 of 4,374 health · 2025Q4Buffalo Conrail · health 90/100 · $57.4M · 2025Q4
- PHOTO 90/100
- BOOK 22.3%
- CHARTER 0.22%
- NCUSIF 1.56%
- CAMELS $57.4M
- HEALTH 2,551
- NW #1,030/4,374
- DELQ Fargo Public Schools
- ROA 845
Call Report peers
Buffalo Conrail in the assets neighbourhood
Buffalo Conrail's $57.4M assets sit next to Fargo Public Schools ($57.4M) 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.
Buffalo Conrail 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
90 Top 27% higher than 73% 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
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.
Where Buffalo Conrail diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 101.66% vs peer 62.60% (+39.06 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Buffalo Conrail
- Health composite ranks #57 of 272 among scored New York credit unions.
- Assets rank #119 of 272 inside New York ($57.4M reported).
- Member book place in New York: #157 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.
Buffalo Conrail: 2025Q4 → 2026Q1
Buffalo Conrail: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $57.4M (2025Q4) to $59.0M (2026Q1).
- Net-worth ratio shifted -0.44 pp (22.75% → 22.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 22.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 10.0 pts
Buffalo Conrail health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.31% | +8.69 pp |
| Delinquency Rate | 0.22% | -0.74 pp |
| Return on Assets | 1.56% | +0.90 pp |
| Member Growth | 0.83% | - |
| Loan-to-Share Ratio | 101.66% | +39.06 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $59.0M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Buffalo Conrail runs one office.
| Office | City |
|---|---|
| Buffalo Conrail FCU (Main Office) | Cheektowaga, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Buffalo Conrail nationwide neighbourhoods
Two NCUA Call Report peer sets for Buffalo Conrail, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($57.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Buffalo Conrail ranks #1,030 of 4,374 nationally on financial health and #57 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- REMINGTON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with REMINGTON
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,030 of 4,374; by total assets it ranks #2,292 of 4,374 nationally (same basis as /rankings/largest); and #119 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 22.31% 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 22.31% 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.
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.