Federal credit union · BUFFALO, New York · NCUA charter #2209
Buffalo Metropolitan
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $144.0M
- Total assets
- 15,349
- Members
- 12.2%
- Net-worth ratio
Buffalo Metropolitan scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $144.0M; members 15,349; net-worth ratio 12.23%; health rank #3,531 of 4,374; healthier than 18th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,531 of 4,374 health · 2025Q4Buffalo Metropolitan · health 71/100 · $144.0M · 2025Q4
- DELQ 71/100
- ROA 12.2%
- ASSETS 3.06%
- MEM 0.78%
- RANK $144.0M
- PHOTO 15,349
- BOOK #3,531/4,374
- CHARTER Delaware State Police
- NCUSIF 2209
Call Report peers
Buffalo Metropolitan in the assets neighbourhood
Buffalo Metropolitan's $144.0M assets sit next to Delaware State Police ($144.0M) 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 Metropolitan 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
71 18th percentile higher than 18% 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 Metropolitan - Share Insurance Coverage
Charter #2209's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Buffalo Metropolitan: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +20.70 pp (92.90% vs 72.20%).
- Largest lag: Delinquency Rate at 3.06% vs peer 0.89% (+2.17 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Buffalo Metropolitan sits in New York
- New York health ordinal: #205 of 272.
- By total assets, Buffalo Metropolitan is #74 of 272 in New York.
- Membership ranks #50 of 272 among New York CUs with a reported count (15,349 members).
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 Buffalo Metropolitan's 5300 filing moved
Buffalo Metropolitan: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $144.0M (2025Q4) to $145.2M (2026Q1).
- Net-worth ratio shifted -0.03 pp (12.26% → 12.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.23%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 5.9 pts
- Return on Assets 15.0 pts
- Member Growth 6.5 pts
- Loan-to-Share Ratio 13.6 pts
Buffalo Metropolitan vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.23% | +0.12 pp |
| Delinquency Rate | 3.06% | +2.17 pp |
| Return on Assets | 0.78% | +0.16 pp |
| Member Growth | -1.37% | - |
| Loan-to-Share Ratio | 92.90% | +20.70 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).
Buffalo Metropolitan filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $145.2M | - |
| 2025Q4 | $144.0M | 15,349 |
| 2024Q4 | $139.1M | 15,562 |
| 2023Q4 | $139.0M | 16,100 |
Credit Union Details
- Charter Number
- 2209
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- BUFFALO
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Buffalo Metropolitan runs one office.
| Office | City |
|---|---|
| Main-62 S Elmwood Ave Buffalo, NY 14202-2609 (Main Office) | Buffalo, 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 Buffalo Metropolitan
Two NCUA Call Report peer sets for Buffalo Metropolitan, 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 ($144.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- Buffalo Metropolitan ranks #3,531 of 4,374 nationally on financial health and #205 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Town of Hempstead Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Town of Hempstead 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 Buffalo Metropolitan financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Buffalo Metropolitan carries a financial health score of 71/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,531 of 4,374; by total assets it ranks #1,519 of 4,374 nationally (same basis as /rankings/largest); and #74 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.23% net worth ratio and a 3.06% delinquency rate.
How does Buffalo Metropolitan compare to other credit unions?
On PlainCU's health composite, Buffalo Metropolitan lands at 71/100, 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 Buffalo Metropolitan?
Buffalo Metropolitan 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 Metropolitan directly for the exact boundaries and application steps.
Is my money safe at Buffalo Metropolitan?
Federal credit unions like Buffalo Metropolitan 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 Metropolitan's net worth ratio of 12.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Buffalo Metropolitan offer compared to banks?
Credit unions like Buffalo Metropolitan 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 Metropolitan 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.