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
Call Report peers
CANANDAIGUA in the assets neighbourhood
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CANANDAIGUA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CANANDAIGUA sits in 60-64 with 179 others.
62 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
CANANDAIGUA: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 46.21% here, 59.80% peer average (-13.59 pp).
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.
- One place up in New York, I Am (#235) ties at 62/100; one place down, Urban Empowerment (#237) ties at 62/100.
CANANDAIGUA Call Report trajectory
CANANDAIGUA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $28.0M (2025Q4) to $28.3M (2026Q1).
- Net-worth ratio shifted +0.04 pp (11.44% → 11.48%).
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
CANANDAIGUA gives up 38 points in total. Delinquency Rate costs the most, 16.8 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is CANANDAIGUA financially healthy?
On its 2025Q4 NCUA 5300 filing, CANANDAIGUA scores 62/100 (Good), with a 11.48% net worth ratio and 2.69% of loans delinquent. It ranks #3,996 of 4,374 nationally on health and #236 of 272 in New York.
How does CANANDAIGUA compare to other credit unions?
CANANDAIGUA scores 62/100, higher than 8% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (46.21% vs 59.80%).
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?
CANANDAIGUA 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. CANANDAIGUA's net worth ratio of 11.48% 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.