Federal credit union · PLATTSBURGH, New York · NCUA charter #22195
Cvph Employees
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $10.1M
- Total assets
- 1,302
- Members
- 10.8%
- Net-worth ratio
Cvph Employees scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.1M; members 1,302; net-worth ratio 10.79%; health rank #965 of 4,374; healthier than 77th of scored peers.
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NCUA 5300 Call Report Masthead
#965 of 4,374 health · 2025Q4Cvph Employees · health 91/100 · $10.1M · 2025Q4
Call Report peers
Cvph Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cvph Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cvph Employees sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Cvph Employees: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +17.64 pp (77.44% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -4.07 pp (10.79% vs 14.86%).
Where Cvph Employees sits in New York
- In New York, health place is #52 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #210 of 272 inside New York ($10.1M reported).
- Membership ranks #206 of 272 among New York CUs with a reported count (1,302 members).
- One place up in New York, Westchester Schools' (#51) ties at 91/100; one place down, Ontario Shores (#53) ties at 91/100.
Quarter path for Cvph Employees
Cvph Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $10.1M (2025Q4) to $10.4M (2026Q1).
- Net-worth ratio shifted -0.17 pp (10.96% → 10.79%).
At 10.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Cvph Employees gives up 9 points in total. Member Growth costs the most, 9.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.9 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.79% | -4.07 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.57% | -0.13 pp |
| Member Growth | -1.74% | - |
| Loan-to-Share Ratio | 77.44% | +17.64 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Cvph Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.4M | - |
| 2025Q4 | $10.1M | 1,302 |
| 2024Q4 | $10.1M | 1,325 |
| 2023Q4 | $10.3M | 1,355 |
Credit Union Details
- Charter Number
- 22195
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- PLATTSBURGH
- Data Quarter
- 2025Q4
Branch Locations (2)
Cvph Employees operates 2 offices in PLATTSBURGH, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CVPH EMPLOYEES FEDERAL CREDIT UNION (Main Office) | PLATTSBURGH, NY |
| LOCATION OF RECORDS | PLATTSBURGH, NY |
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.
Cvph Employees nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Cvph Employees ranks #965 of 4,374 nationally on financial health and #52 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Focus First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Focus First
Frequently Asked Questions
Is Cvph Employees financially healthy?
Cvph Employees has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #965 of 4,374 nationally on health and #52 of 272 in New York. Its net worth ratio is 10.79% and its delinquency rate 0.00%.
How does Cvph Employees compare to other credit unions?
Cvph Employees scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.44% vs 59.80%). Its widest shortfall is net worth ratio (10.79% vs 14.86%).
How can I join Cvph Employees?
Cvph Employees 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 Cvph Employees directly for the exact boundaries and application steps.
Is my money safe at Cvph Employees?
Cvph Employees 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. Cvph Employees's net worth ratio of 10.79% 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.