Federal credit union · Buffalo, New York · NCUA charter #7118
Dunlop Employees
Health score 61/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $15.8M
- Total assets
- 1,506
- Members
- 12.8%
- Net-worth ratio
Dunlop Employees scores 61/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.8M; members 1,506; net-worth ratio 12.84%; health rank #4,024 of 4,374; healthier than 8th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,024 of 4,374 health · 2025Q4Dunlop Employees · health 61/100 · $15.8M · 2025Q4
- NW 61/100
- DELQ 12.8%
- ROA 1.44%
- ASSETS -0.16%
- MEM $15.8M
- RANK 1,506
- PHOTO #4,024/4,374
- BOOK Beverly Hills City Employees
- CHARTER 7118
Call Report peers
Dunlop Employees in the assets neighbourhood
Dunlop Employees's $15.8M assets sit next to Beverly Hills City Employees ($15.7M) 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.
Dunlop Employees 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
61 8th percentile higher than 8% 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
Dunlop Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #7118. See our deposit-insurance coverage note.
Dunlop Employees: Call Report deltas vs peers
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.52 pp (51.28% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Dunlop Employees
- In New York, health place is #241 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #197 of 272.
- New York membership ordinal: #196 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 Dunlop Employees's 5300 filing moved
Dunlop Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -5.1% from $15.8M (2025Q4) to $14.9M (2026Q1).
- Net-worth ratio shifted +0.29 pp (12.55% → 12.84%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.84%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 61/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 61.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.7 pts
- Return on Assets 3.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 11.3 pts
Dunlop Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.84% | -2.02 pp |
| Delinquency Rate | 1.44% | +0.29 pp |
| Return on Assets | -0.16% | -0.87 pp |
| Member Growth | -12.70% | - |
| Loan-to-Share Ratio | 51.28% | -8.52 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).
Dunlop Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.9M | - |
| 2025Q4 | $15.8M | 1,506 |
| 2024Q4 | $14.9M | 1,725 |
| 2023Q4 | $15.1M | 1,790 |
Credit Union Details
- Charter Number
- 7118
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Buffalo
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Dunlop Employees.
| Office | City |
|---|---|
| Dunlop Employees Federal C.U. (Main Office) | Buffalo, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Dunlop Employees, 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 ($15.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (61/100 here).
Using this data
- Dunlop Employees ranks #4,024 of 4,374 nationally on financial health and #241 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BROCKPORT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BROCKPORT
- 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 Dunlop Employees financially healthy?
Dunlop Employees scores 61/100 (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 #4,024 of 4,374; by total assets it ranks #3,297 of 4,374 nationally (same basis as /rankings/largest); and #197 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.84% net worth ratio and a 1.44% delinquency rate.
How does Dunlop Employees compare to other credit unions?
PlainCU's health composite puts Dunlop Employees at 61/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Dunlop Employees?
Dunlop 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 Dunlop Employees directly for the exact boundaries and application steps.
Is my money safe at Dunlop Employees?
Federal credit unions like Dunlop Employees 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. Dunlop Employees's net worth ratio of 12.84% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dunlop Employees offer compared to banks?
Credit unions like Dunlop Employees 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 Dunlop Employees 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.