Federal credit union · BUFFALO, New York · NCUA charter #2209
Buffalo Metropolitan
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $144.0M
- Total assets
- 15,349
- Members
- 11.3%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)24
- Earnings (ROA)100
- Member growth44
- Liquidity (loan-to-share)91
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.30%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.30% | 30% |
| Delinquency Rate | 3.06% | 25% |
| Return on Assets | 0.78% | 15% |
| Member Growth | -1.37% | 15% |
| Loan-to-Share Ratio | 92.90% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Buffalo Metropolitan
Headquartered in BUFFALO, New York, Buffalo Metropolitan is a federal credit union with 15,349 members, $144.0M in total assets, and $118.8M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 71/100 (Very Good), driven in part by a net worth ratio of 11.30% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #2209 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 3.06% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers - and a 92.90% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.78% on net income of $1.1M 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 -1.37%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.30% 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 11.30% 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.
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.