Federal credit union · SALAMANCA, New York · NCUA charter #22754
C C S E
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $61.5M
- Total assets
- 5,820
- Members
- 10.6%
- Net-worth ratio
C C S E scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $61.5M; members 5,820; net-worth ratio 10.63%; health rank #1,136 of 4,374; healthier than 73rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,136 of 4,374 health · 2025Q4C C S E · health 90/100 · $61.5M · 2025Q4
Call Report peers
C C S E in the assets neighbourhood
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C C S E vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); C C S E sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where C C S E diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.43% vs peer 0.96% (-0.54 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.42 pp (50.18% vs 62.60%).
Where C C S E sits in New York
- In New York, health place is #61 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #113 of 272 inside New York ($61.5M reported).
- Member book place in New York: #101 of 272.
- One place up in New York, RADIUS (#60) ties at 90/100; one place down, QSIDE (#62) ties at 90/100.
C C S E Call Report trajectory
C C S E: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $61.5M (2025Q4) to $62.2M (2026Q1).
- Net-worth ratio shifted +0.34 pp (10.29% → 10.63%).
This credit union's 10.63% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
C C S E gives up 10 points in total. Loan-to-Share Ratio costs the most, 4.5 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.3 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 10.1 pts
C C S E vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.63% | -2.99 pp |
| Delinquency Rate | 0.43% | -0.54 pp |
| Return on Assets | 0.45% | -0.21 pp |
| Member Growth | 1.31% | - |
| Loan-to-Share Ratio | 50.18% | -12.42 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
C C S E filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $62.2M | - |
| 2025Q4 | $61.5M | 5,820 |
| 2024Q4 | $58.1M | 5,745 |
| 2023Q4 | $57.1M | 5,638 |
Credit Union Details
- Charter Number
- 22754
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- SALAMANCA
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, C C S E runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| CCSE Federal Credit Union (Main Office) | Salamanca, NY |
| Fiserv | Frisco, TX |
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.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- C C S E ranks #1,136 of 4,374 nationally on financial health and #61 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mohawk Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mohawk Valley
Frequently Asked Questions
Is C C S E financially healthy?
C C S E has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,136 of 4,374 nationally on health and #61 of 272 in New York. Its net worth ratio is 10.63% and its delinquency rate 0.43%.
How does C C S E compare to other credit unions?
C C S E scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.43% vs 0.96%). Its widest shortfall is loan-to-share ratio (50.18% vs 62.60%).
How can I join C C S E?
C C S E 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 C C S E directly for the exact boundaries and application steps.
Is my money safe at C C S E?
C C S E 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. C C S E's net worth ratio of 10.63% 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.