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
Call Report peers
Cobblestone Country in the assets neighbourhood
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Cobblestone Country vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cobblestone Country sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in New York, Syracuse Fire Department Employees (#37) ties at 92/100; one place down, Southern Chautauqua (#39) ties at 92/100.
Cobblestone Country: 2025Q4 → 2026Q1
Cobblestone Country: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.2% from $24.0M (2025Q4) to $23.9M (2026Q1).
- Net-worth ratio shifted +0.62 pp (13.86% → 14.48%).
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
Cobblestone Country gives up 8 points in total. Member Growth costs the most, 5.2 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Cobblestone Country financially healthy?
On its 2025Q4 NCUA 5300 filing, Cobblestone Country scores 92/100 (Excellent), with a 14.48% net worth ratio and 0.79% of loans delinquent. It ranks #757 of 4,374 nationally on health and #38 of 272 in New York.
How does Cobblestone Country compare to other credit unions?
Cobblestone Country scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.90% vs 59.80%). Its widest shortfall is net worth ratio (14.48% vs 14.86%).
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?
Cobblestone Country 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. Cobblestone Country's net worth ratio of 14.48% 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.