Federal credit union · ELMA, New York · NCUA charter #6930
Cadets
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $18.0M
- Total assets
- 1,430
- Members
- 6.9%
- Net-worth ratio
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.
Cadets - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)73
- Asset quality (delinquency)59
- Earnings (ROA)87
- Member growth100
- Liquidity (loan-to-share)90
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 6.91% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.91% | 30% |
| Delinquency Rate | 1.70% | 25% |
| Return on Assets | 0.37% | 15% |
| Member Growth | 24.56% | 15% |
| Loan-to-Share Ratio | 63.57% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Cadets
Headquartered in ELMA, New York, Cadets is a federal credit union with 1,430 members, $18.0M in total assets, and $10.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 78/100 (Very Good), driven in part by a net worth ratio of 6.91% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #6930 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 1.70% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers - and a 63.57% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.37% on net income of $66K 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 24.56%. 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/Select Employee Group). 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 Cadets financially healthy?
Cadets has a financial health score of 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.91% and delinquency rate of 1.70%.
How does Cadets compare to other credit unions?
On PlainCU's health composite, Cadets lands at 78/100, 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 6.91% is relative to 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.
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.