Federal credit union · Hornell, New York · NCUA charter #1080
District #6
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $24.2M
- Total assets
- 1,701
- Members
- 7.7%
- Net-worth ratio
District #6 scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.2M; members 1,701; net-worth ratio 7.73%; health rank #3,729 of 4,374; healthier than 15th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,729 of 4,374 health · 2025Q4District #6 · health 68/100 · $24.2M · 2025Q4
- RANK 68/100
- PHOTO 7.7%
- BOOK 1.10%
- CHARTER 0.47%
- NCUSIF $24.2M
- CAMELS 1,701
- HEALTH #3,729/4,374
- NW Weatherhead C C
- DELQ 1080
Call Report peers
District #6 in the assets neighbourhood
District #6's $24.2M assets sit next to Weatherhead C C ($24.2M) 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.
District #6 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
68 15th percentile higher than 15% 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
District #6 - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1080 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where District #6 diverges from peer averages
- Largest favorable gap: Delinquency Rate at 1.10% vs peer 1.15% (-0.04 pp).
- Largest lag: Loan-to-Share Ratio at 41.01% vs peer 59.80% (-18.79 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
District #6 in New York
- Health composite ranks #216 of 272 among scored New York credit unions.
- Assets rank #173 of 272 inside New York ($24.2M reported).
- Member book place in New York: #187 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 District #6
District #6: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $24.2M (2025Q4) to $24.7M (2026Q1).
- Net-worth ratio shifted -0.44 pp (8.17% → 7.73%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.73% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 68/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- Net Worth Ratio 24.3 pts
- Delinquency Rate 19.2 pts
- Return on Assets 14.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.9 pts
District #6 health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.73% | -7.13 pp |
| Delinquency Rate | 1.10% | -0.04 pp |
| Return on Assets | 0.47% | -0.23 pp |
| Member Growth | -7.10% | - |
| Loan-to-Share Ratio | 41.01% | -18.79 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).
District #6 filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.7M | - |
| 2025Q4 | $24.2M | 1,701 |
| 2024Q4 | $22.5M | 1,831 |
| 2023Q4 | $20.9M | 1,727 |
Credit Union Details
- Charter Number
- 1080
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New York
- City
- Hornell
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for District #6.
| Office | City |
|---|---|
| District 6 Federal Credit Union (Main Office) | Hornell, 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.
Other-state peers near District #6
Two NCUA Call Report peer sets for District #6, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($24.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
Using this data
- District #6 ranks #3,729 of 4,374 nationally on financial health and #216 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cobblestone Country is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cobblestone Country
- 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 District #6 financially healthy?
District #6 has a financial health score of 68/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,729 of 4,374; by total assets it ranks #3,018 of 4,374 nationally (same basis as /rankings/largest); and #173 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.73% and delinquency rate of 1.10%.
How does District #6 compare to other credit unions?
Five weighted metrics from NCUA filings produce District #6's 68/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 District #6?
District #6 serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact District #6 directly for the current list of qualifying groups.
Is my money safe at District #6?
Federal credit unions like District #6 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. District #6's net worth ratio of 7.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does District #6 offer compared to banks?
Credit unions like District #6 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 District #6 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.