Federal credit union · Glens Falls, New York · NCUA charter #12671
Coopers Cave
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $21.1M
- Total assets
- 1,922
- Members
- 8.0%
- Net-worth ratio
Coopers Cave scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.1M; members 1,922; net-worth ratio 7.98%; health rank #3,303 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,303 of 4,374 health · 2025Q4Coopers Cave · health 75/100 · $21.1M · 2025Q4
- RANK 75/100
- PHOTO 8.0%
- BOOK 0.30%
- CHARTER 0.61%
- NCUSIF $21.1M
- CAMELS 1,922
- HEALTH #3,303/4,374
- NW Genesis Employees
- DELQ 12671
Call Report peers
Coopers Cave in the assets neighbourhood
Coopers Cave's $21.1M assets sit next to Genesis Employees ($21.1M) 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.
Coopers Cave 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
75 24th percentile higher than 24% 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
Coopers Cave - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #12671: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Coopers Cave vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.85 pp (0.30% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 46.64% vs peer 59.80% (-13.16 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Coopers Cave sits in New York
- Health composite ranks #186 of 272 among scored New York credit unions.
- Assets rank #180 of 272 inside New York ($21.1M reported).
- Member book place in New York: #178 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.
Coopers Cave: 2025Q4 → 2026Q1
Coopers Cave: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $21.1M (2025Q4) to $21.9M (2026Q1).
- Net-worth ratio shifted +0.17 pp (7.81% → 7.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 7.98%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 24.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.1 pts
Coopers Cave vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.98% | -6.88 pp |
| Delinquency Rate | 0.30% | -0.85 pp |
| Return on Assets | 0.61% | -0.10 pp |
| Member Growth | -6.74% | - |
| Loan-to-Share Ratio | 46.64% | -13.16 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 | $21.9M | - |
| 2025Q4 | $21.1M | 1,922 |
| 2024Q4 | $20.8M | 2,061 |
| 2023Q4 | $21.5M | 2,169 |
Credit Union Details
- Charter Number
- 12671
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Glens Falls
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Coopers Cave runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Cooper's Cave Federal Credit Union (Main Office) | Glens Falls, NY |
| Great Meadow FCU | Queensbury, 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.
Nationwide credit unions with similar profiles
Coopers Cave's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($21.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Coopers Cave ranks #3,303 of 4,374 nationally on financial health and #186 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NIAGARA-WHEATFIELD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NIAGARA-WHEATFIELD
- 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 Coopers Cave financially healthy?
A 7.98% net worth ratio and a 0.30% delinquency rate feed into Coopers Cave's financial health score of 75/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,303 of 4,374; by total assets it ranks #3,112 of 4,374 nationally (same basis as /rankings/largest); and #180 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Coopers Cave compare to other credit unions?
Five weighted metrics from NCUA filings produce Coopers Cave's 75/100 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 Coopers Cave?
Coopers Cave 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 Coopers Cave directly for the exact boundaries and application steps.
Is my money safe at Coopers Cave?
Federal credit unions like Coopers Cave 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. Coopers Cave's net worth ratio of 7.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Coopers Cave offer compared to banks?
Credit unions like Coopers Cave 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 Coopers Cave 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.