Federal credit union · Little Valley, New York · NCUA charter #19027
Cattaraugus County Employees
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $17.8M
- Total assets
- 1,582
- Members
- 12.0%
- Net-worth ratio
Cattaraugus County Employees scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.8M; members 1,582; net-worth ratio 11.96%; health rank #1,970 of 4,374; healthier than 54th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,970 of 4,374 health · 2025Q4Cattaraugus County Employees · health 85/100 · $17.8M · 2025Q4
- NW 85/100
- DELQ 12.0%
- ROA 0.35%
- ASSETS 1.16%
- MEM $17.8M
- RANK 1,582
- PHOTO #1,970/4,374
- BOOK Community Healthcare
- CHARTER 19027
Call Report peers
Cattaraugus County Employees in the assets neighbourhood
Cattaraugus County Employees's $17.8M assets sit next to Community Healthcare ($17.8M) 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.
Cattaraugus County Employees 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
85 Top 46% higher than 54% 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
Cattaraugus County Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #19027: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Cattaraugus County Employees vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.35% here, 1.15% peer average (-0.80 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.90 pp (11.96% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Cattaraugus County Employees in New York
- New York health ordinal: #114 of 272.
- Assets rank #192 of 272 inside New York ($17.8M reported).
- Membership ranks #194 of 272 among New York CUs with a reported count (1,582 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.
Cattaraugus County Employees: 2024Q4 → 2025Q4
Cattaraugus County Employees: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $17.6M (2024Q4) to $17.8M (2025Q4).
- Membership moved -3.7% from 1,643 to 1,582 over the same window.
- Net-worth ratio shifted +1.31 pp (10.65% → 11.96%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.96% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.3 pts
- Loan-to-Share Ratio 12.7 pts
Cattaraugus County Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.96% | -2.90 pp |
| Delinquency Rate | 0.35% | -0.80 pp |
| Return on Assets | 1.16% | +0.45 pp |
| Member Growth | -3.71% | - |
| Loan-to-Share Ratio | 59.41% | -0.39 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).
Cattaraugus County Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $17.8M | 1,582 |
| 2024Q4 | $17.6M | 1,643 |
| 2023Q4 | $17.2M | 1,638 |
Credit Union Details
- Charter Number
- 19027
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New York
- City
- Little Valley
- Data Quarter
- 2025Q4
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
Cross-state asset and health neighbours for Cattaraugus County Employees - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($17.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Cattaraugus County Employees ranks #1,970 of 4,374 nationally on financial health and #114 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRANSIT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRANSIT
- 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 Cattaraugus County Employees financially healthy?
Cattaraugus County Employees scores 85/100 (Excellent) 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 #1,970 of 4,374; by total assets it ranks #3,221 of 4,374 nationally (same basis as /rankings/largest); and #192 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.96% net worth ratio and a 0.35% delinquency rate.
How does Cattaraugus County Employees compare to other credit unions?
85/100 is Cattaraugus County Employees's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Cattaraugus County Employees?
Cattaraugus County Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Cattaraugus County Employees directly for the current list of qualifying groups.
Is my money safe at Cattaraugus County Employees?
Federal credit unions like Cattaraugus County Employees 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. Cattaraugus County Employees's net worth ratio of 11.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cattaraugus County Employees offer compared to banks?
Credit unions like Cattaraugus County Employees 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 Cattaraugus County Employees 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.