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
Call Report peers
Coopers Cave in the assets neighbourhood
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Coopers Cave vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Coopers Cave sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in New York, Rochester & Monroe Co Emp (#185) ties at 75/100; one place down, New Covenant Dominion (#187) scores 74/100, 1 point lower.
Coopers Cave: 2025Q4 → 2026Q1
Coopers Cave: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $21.1M (2025Q4) to $21.9M (2026Q1).
- Net-worth ratio shifted +0.17 pp (7.81% → 7.98%).
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
Coopers Cave gives up 25 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Coopers Cave financially healthy?
On its 2025Q4 NCUA 5300 filing, Coopers Cave scores 75/100 (Very Good), with a 7.98% net worth ratio and 0.30% of loans delinquent. It ranks #3,303 of 4,374 nationally on health and #186 of 272 in New York.
How does Coopers Cave compare to other credit unions?
Coopers Cave scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.30% vs 1.15%). Its widest shortfall is loan-to-share ratio (46.64% vs 59.80%).
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?
Coopers Cave 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. Coopers Cave's net worth ratio of 7.98% 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.