Federal credit union · ELMA, New York · NCUA charter #6930
CADETS
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $18.0M
- Total assets
- 1,430
- Members
- 8.5%
- Net-worth ratio
CADETS scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.0M; members 1,430; net-worth ratio 8.49%; health rank #2,350 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,350 of 4,374 health · 2025Q4CADETS · health 83/100 · $18.0M · 2025Q4
- CAMELS 83/100
- HEALTH 8.5%
- NW 1.70%
- DELQ 0.37%
- ROA $18.0M
- ASSETS 1,430
- MEM #2,350/4,374
- RANK 1st University
- PHOTO 6930
Call Report peers
CADETS in the assets neighbourhood
CADETS's $18.0M assets sit next to 1st University ($17.9M) 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.
CADETS 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
83 46th percentile higher than 46% 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
CADETS - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6930. See our deposit-insurance coverage note.
Where CADETS diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 63.57% here, 59.80% peer average (+3.77 pp).
- Net Worth Ratio trails the peer set - 8.49% here, 14.86% peer average (-6.37 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where CADETS sits in New York
- Health composite ranks #132 of 272 among scored New York credit unions.
- By total assets, CADETS is #189 of 272 in New York.
- Membership ranks #201 of 272 among New York CUs with a reported count (1,430 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.
Quarter path for CADETS
CADETS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.0% from $18.0M (2025Q4) to $17.8M (2026Q1).
- Net-worth ratio shifted -0.07 pp (8.56% → 8.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 26.2 pts
- Delinquency Rate 14.7 pts
- Return on Assets 13.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.1 pts
CADETS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.49% | -6.37 pp |
| Delinquency Rate | 1.70% | +0.56 pp |
| Return on Assets | 0.37% | -0.34 pp |
| Member Growth | 24.56% | - |
| Loan-to-Share Ratio | 63.57% | +3.77 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.8M | - |
| 2025Q4 | $18.0M | 1,430 |
| 2024Q4 | $19.0M | 1,148 |
| 2023Q4 | $17.6M | 1,179 |
Credit Union Details
- Charter Number
- 6930
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $10M–$50M
- State
- New York
- City
- ELMA
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, CADETS runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| CADETS FEDERAL CREDIT UNION (Main Office) | ELMA, NY |
| CADETS FEDERAL CREDIT UNION | 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for CADETS - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- CADETS ranks #2,350 of 4,374 nationally on financial health and #132 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Local 41 I.B.E.W. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Local 41 I.B.E.W.
- 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 CADETS financially healthy?
CADETS has a financial health score of 83/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,350 of 4,374; by total assets it ranks #3,212 of 4,374 nationally (same basis as /rankings/largest); and #189 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.49% and delinquency rate of 1.70%.
How does CADETS compare to other credit unions?
On PlainCU's health composite, CADETS lands at 83/100, compared to a peer group average for $10M–$50M 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 CADETS?
CADETS 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 CADETS directly for the exact boundaries and application steps.
Is my money safe at CADETS?
Federal credit unions like CADETS 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. CADETS's net worth ratio of 8.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CADETS offer compared to banks?
Credit unions like CADETS 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 CADETS 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.