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
- NW 92/100
- DELQ 10.8%
- ROA 0.50%
- ASSETS 0.67%
- MEM $2.65B
- RANK 166,042
- PHOTO #814/4,374
- BOOK American Eagle Financial
- CHARTER 1644
Call Report peers
CORNING in the assets neighbourhood
CORNING's $2.65B assets sit next to American Eagle Financial ($2.65B) 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.
CORNING 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
CORNING - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1644 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for CORNING
CORNING: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $2.65B (2025Q4) to $2.73B (2026Q1).
- Net-worth ratio shifted -0.10 pp (10.93% → 10.83%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
CORNING'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 ($2.65B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- 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 CORNING financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - CORNING'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 #814 of 4,374; by total assets it ranks #192 of 4,374 nationally (same basis as /rankings/largest); and #14 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.83% net worth ratio and 0.50% delinquency rate are the key drivers.
How does CORNING compare to other credit unions?
92/100 is CORNING's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like CORNING 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. CORNING's net worth ratio of 10.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CORNING offer compared to banks?
Credit unions like CORNING 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 CORNING 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.