Federal credit union · Albion, New York · NCUA charter #16672
Cobblestone Country
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $24.0M
- Total assets
- 2,705
- Members
- 14.5%
- Net-worth ratio
Cobblestone Country scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.0M; members 2,705; net-worth ratio 14.48%; health rank #757 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#757 of 4,374 health · 2025Q4Cobblestone Country · health 92/100 · $24.0M · 2025Q4
- MEM 92/100
- RANK 14.5%
- PHOTO 0.79%
- BOOK 1.88%
- CHARTER $24.0M
- NCUSIF 2,705
- CAMELS #757/4,374
- HEALTH EXPRESS
- NW 16672
Call Report peers
Cobblestone Country in the assets neighbourhood
Cobblestone Country's $24.0M assets sit next to EXPRESS ($24.0M) 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.
Cobblestone Country 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
92 Top 20% higher than 80% 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
Cobblestone Country - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #16672 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Cobblestone Country: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 77.90% here, 59.80% peer average (+18.10 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.38 pp (14.48% 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.
New York standing for Cobblestone Country
- Health composite ranks #38 of 272 among scored New York credit unions.
- By total assets, Cobblestone Country is #174 of 272 in New York.
- Member book place in New York: #150 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.
Cobblestone Country: 2025Q4 → 2026Q1
Cobblestone Country: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $24.0M (2025Q4) to $23.9M (2026Q1).
- Net-worth ratio shifted +0.62 pp (13.86% → 14.48%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 15.1 pts
Cobblestone Country vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.48% | -0.38 pp |
| Delinquency Rate | 0.79% | -0.35 pp |
| Return on Assets | 1.88% | +1.18 pp |
| Member Growth | 0.63% | - |
| Loan-to-Share Ratio | 77.90% | +18.10 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 | $23.9M | - |
| 2025Q4 | $24.0M | 2,705 |
| 2024Q4 | $21.7M | 2,688 |
| 2023Q4 | $18.6M | 2,331 |
Credit Union Details
- Charter Number
- 16672
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Albion
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Cobblestone Country.
| Office | City |
|---|---|
| Cobblestone Country FCU (Main Office) | Albion, 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.
Cobblestone Country nationwide neighbourhoods
Cross-state asset and health neighbours for Cobblestone Country - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($24.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Cobblestone Country ranks #757 of 4,374 nationally on financial health and #38 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- District #6 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with District #6
- 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 Cobblestone Country financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - Cobblestone Country's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #757 of 4,374; by total assets it ranks #3,024 of 4,374 nationally (same basis as /rankings/largest); and #174 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.48% net worth ratio and 0.79% delinquency rate are the key drivers.
How does Cobblestone Country compare to other credit unions?
Five weighted metrics from NCUA filings produce Cobblestone Country's 92/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Cobblestone Country?
Cobblestone Country 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 Cobblestone Country directly for the exact boundaries and application steps.
Is my money safe at Cobblestone Country?
Federal credit unions like Cobblestone Country 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. Cobblestone Country's net worth ratio of 14.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cobblestone Country offer compared to banks?
Credit unions like Cobblestone Country 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 Cobblestone Country 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.