Federal credit union · CANANDAIGUA, New York · NCUA charter #16176
CANANDAIGUA
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $28.0M
- Total assets
- 2,019
- Members
- 11.5%
- Net-worth ratio
CANANDAIGUA scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $28.0M; members 2,019; net-worth ratio 11.48%; health rank #3,996 of 4,374; healthier than 8th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,996 of 4,374 health · 2025Q4CANANDAIGUA · health 62/100 · $28.0M · 2025Q4
- RANK 62/100
- PHOTO 11.5%
- BOOK 2.69%
- CHARTER 0.28%
- NCUSIF $28.0M
- CAMELS 2,019
- HEALTH #3,996/4,374
- NW Highway Alliance
- DELQ 16176
Call Report peers
CANANDAIGUA in the assets neighbourhood
CANANDAIGUA's $28.0M assets sit next to Highway Alliance ($28.0M) 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.
CANANDAIGUA 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
62 8th percentile higher than 8% 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
CANANDAIGUA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #16176, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
CANANDAIGUA: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 46.21% here, 59.80% peer average (-13.59 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CANANDAIGUA: in-state Call Report ranks
- Health composite ranks #236 of 272 among scored New York credit unions.
- New York assets place: #165 of 272.
- New York membership ordinal: #175 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CANANDAIGUA Call Report trajectory
CANANDAIGUA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $28.0M (2025Q4) to $28.3M (2026Q1).
- Net-worth ratio shifted +0.04 pp (11.44% → 11.48%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.48%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 62/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.2 pts
- Return on Assets 11.7 pts
- Member Growth 1.9 pts
- Loan-to-Share Ratio 10.2 pts
CANANDAIGUA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.48% | -3.38 pp |
| Delinquency Rate | 2.69% | +1.55 pp |
| Return on Assets | 0.28% | -0.42 pp |
| Member Growth | -3.95% | - |
| Loan-to-Share Ratio | 46.21% | -13.59 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).
Call Report history - CANANDAIGUA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.3M | - |
| 2025Q4 | $28.0M | 2,019 |
| 2024Q4 | $28.9M | 2,102 |
| 2023Q4 | $30.0M | 2,165 |
Credit Union Details
- Charter Number
- 16176
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- CANANDAIGUA
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, CANANDAIGUA runs one office.
| Office | City |
|---|---|
| Canandaigua FCU (Main Office) | Canandaigua, NY |
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.
CANANDAIGUA nationwide neighbourhoods
Two NCUA Call Report peer sets for CANANDAIGUA, 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 ($28.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
Using this data
- CANANDAIGUA ranks #3,996 of 4,374 nationally on financial health and #236 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRI-LAKES is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRI-LAKES
- 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 CANANDAIGUA financially healthy?
CANANDAIGUA scores 62/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,996 of 4,374; by total assets it ranks #2,906 of 4,374 nationally (same basis as /rankings/largest); and #165 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.48% net worth ratio and a 2.69% delinquency rate.
How does CANANDAIGUA compare to other credit unions?
On PlainCU's health composite, CANANDAIGUA lands at 62/100, 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 CANANDAIGUA?
CANANDAIGUA 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 CANANDAIGUA directly for the exact boundaries and application steps.
Is my money safe at CANANDAIGUA?
Federal credit unions like CANANDAIGUA 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. CANANDAIGUA's net worth ratio of 11.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CANANDAIGUA offer compared to banks?
Credit unions like CANANDAIGUA 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 CANANDAIGUA 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.