Federal credit union · SYRACUSE, New York · NCUA charter #22972
CROUSE
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $20.3M
- Total assets
- 2,031
- Members
- 9.5%
- Net-worth ratio
CROUSE scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.3M; members 2,031; net-worth ratio 9.49%; health rank #3,203 of 4,374; healthier than 26th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,203 of 4,374 health · 2025Q4CROUSE · health 76/100 · $20.3M · 2025Q4
- ASSETS 76/100
- MEM 9.5%
- RANK 0.03%
- PHOTO 0.16%
- BOOK $20.3M
- CHARTER 2,031
- NCUSIF #3,203/4,374
- CAMELS Dairyland Power
- HEALTH 22972
Call Report peers
CROUSE in the assets neighbourhood
CROUSE's $20.3M assets sit next to Dairyland Power ($20.3M) 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.
CROUSE 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
76 26th percentile higher than 26% 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
CROUSE - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #22972 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
CROUSE vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.03% here, 1.15% peer average (-1.11 pp).
- Loan-to-Share Ratio trails the peer set - 36.39% here, 59.80% peer average (-23.41 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where CROUSE sits in New York
- In New York, health place is #181 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #184 of 272.
- New York membership ordinal: #173 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.
How CROUSE's 5300 filing moved
CROUSE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $20.3M (2025Q4) to $21.1M (2026Q1).
- Net-worth ratio shifted -0.28 pp (9.77% → 9.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 28.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.0 pts
- Member Growth 3.5 pts
- Loan-to-Share Ratio 8.8 pts
Call Report ratios for CROUSE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.49% | -5.37 pp |
| Delinquency Rate | 0.03% | -1.11 pp |
| Return on Assets | 0.16% | -0.54 pp |
| Member Growth | -3.05% | - |
| Loan-to-Share Ratio | 36.39% | -23.41 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).
CROUSE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.1M | - |
| 2025Q4 | $20.3M | 2,031 |
| 2024Q4 | $19.6M | 2,095 |
| 2023Q4 | $19.5M | 2,098 |
Credit Union Details
- Charter Number
- 22972
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- SYRACUSE
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for CROUSE.
| Office | City |
|---|---|
| CROUSE MAIN OFFICE (Main Office) | SYRACUSE, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Cross-state Call Report peers for CROUSE
CROUSE'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 ($20.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- CROUSE ranks #3,203 of 4,374 nationally on financial health and #181 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Neighborhood Trust is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Neighborhood Trust
- 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 CROUSE financially healthy?
CROUSE scores 76/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,203 of 4,374; by total assets it ranks #3,138 of 4,374 nationally (same basis as /rankings/largest); and #184 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.49% net worth ratio and a 0.03% delinquency rate.
How does CROUSE compare to other credit unions?
CROUSE scores 76/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 CROUSE?
CROUSE 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 CROUSE directly for the exact boundaries and application steps.
Is my money safe at CROUSE?
Federal credit unions like CROUSE 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. CROUSE's net worth ratio of 9.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CROUSE offer compared to banks?
Credit unions like CROUSE 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 CROUSE 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.