Federal credit union · Corning, New York · NCUA charter #1644
CORNING
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $2.65B
- Total assets
- 166,042
- Members
- 10.8%
- Net-worth ratio
CORNING scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.65B; members 166,042; net-worth ratio 10.83%; health rank #814 of 4,374; healthier than 80th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#814 of 4,374 health · 2025Q4CORNING · health 92/100 · $2.65B · 2025Q4
Call Report peers
CORNING in the assets neighbourhood
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CORNING vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CORNING 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
CORNING vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 97.68% here, 83.90% peer average (+13.78 pp).
- Net Worth Ratio trails the peer set - 10.83% here, 11.18% peer average (-0.35 pp).
CORNING: in-state Call Report ranks
- In New York, health place is #42 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, CORNING is #14 of 272 in New York.
- Member book place in New York: #13 of 272.
- One place up in New York, Tonawanda Valley (#41) ties at 92/100; one place down, Westside Community (#43) ties at 92/100.
Quarter path for CORNING
CORNING: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $2.65B (2025Q4) to $2.73B (2026Q1).
- Net-worth ratio shifted -0.10 pp (10.93% → 10.83%).
This credit union's 10.83% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
CORNING gives up 8 points in total. Member Growth costs the most, 4.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 11.3 pts
CORNING vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.83% | -0.35 pp |
| Delinquency Rate | 0.50% | -0.38 pp |
| Return on Assets | 0.67% | +0.16 pp |
| Member Growth | 1.38% | - |
| Loan-to-Share Ratio | 97.68% | +13.78 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - CORNING
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.73B | - |
| 2025Q4 | $2.65B | 166,042 |
| 2024Q4 | $2.42B | 163,782 |
| 2023Q4 | $2.35B | 160,608 |
Credit Union Details
- Charter Number
- 1644
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- Corning
- Data Quarter
- 2025Q4
Branch Locations (21)
CORNING operates 21 offices across 12 cities, spanning 4 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corning Credit Union (Main Office) | Corning, NY |
| Big Flats Branch | Big Flats, NY |
| Chambersburg Branch | Chambersburg, PA |
| Market Street Branch | Corning, NY |
| Sullivan Park Branch | Corning, NY |
| Riverfront Branch | Corning, NY |
| Elmira Branch | Elmira, NY |
| Elmira High School Branch | Elmira, NY |
| Greencastle Branch | Greencastle, PA |
| Hampstead | Hampstead, NC |
| Horseheads Branch | Horseheads, NY |
| Leland Branch | Leland, NC |
| Surfside Beach Service Center | Myrtle Beach, SC |
| Carolina Forest Service Center | Myrtle Beach, SC |
| Diesel Branch | Painted Post, NY |
| Erwin Branch | Painted Post, NY |
| Erwin Drive-Thru | Painted Post, NY |
| Shallotte | Shallotte, NC |
| Racine Drive Branch | Wilmington, NC |
| North Carolina Regional Office | Wilmington, NC |
| Porters Neck Branch | Wilmington, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- CORNING ranks #814 of 4,374 nationally on financial health and #42 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Polish & Slavic is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Polish & Slavic
Frequently Asked Questions
Is CORNING financially healthy?
CORNING has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #814 of 4,374 nationally on health and #42 of 272 in New York. Its net worth ratio is 10.83% and its delinquency rate 0.50%.
How does CORNING compare to other credit unions?
CORNING scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (97.68% vs 83.90%). Its widest shortfall is net worth ratio (10.83% vs 11.18%).
How can I join CORNING?
CORNING 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 CORNING directly for the exact boundaries and application steps.
Is my money safe at CORNING?
CORNING 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. CORNING's net worth ratio of 10.83% 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.