Federal credit union · OGDENSBURG, New York · NCUA charter #13186
ED-MED
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $33.5M
- Total assets
- 2,097
- Members
- 12.5%
- Net-worth ratio
ED-MED scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.5M; members 2,097; net-worth ratio 12.53%; health rank #2,588 of 4,374; healthier than 39th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,588 of 4,374 health · 2025Q4ED-MED · health 81/100 · $33.5M · 2025Q4
Call Report peers
ED-MED in the assets neighbourhood
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ED-MED vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ED-MED sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
ED-MED vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Return on Assets: +0.17 pp (0.88% vs 0.70%).
- Loan-to-Share Ratio trails the peer set - 48.25% here, 59.80% peer average (-11.55 pp).
ED-MED: in-state Call Report ranks
- New York health ordinal: #147 of 272.
- New York assets place: #155 of 272.
- Member book place in New York: #172 of 272.
- One place up in New York, Twin Rivers (#146) ties at 81/100; one place down, Greece Community (#148) ties at 81/100.
Quarter path for ED-MED
ED-MED: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $33.5M (2025Q4) to $34.0M (2026Q1).
- Net-worth ratio shifted +0.11 pp (12.42% → 12.53%).
This credit union's 12.53% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
ED-MED gives up 19 points in total. Delinquency Rate costs the most, 7.6 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.4 pts
- Return on Assets 15.0 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 10.4 pts
Call Report ratios for ED-MED
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.53% | -2.33 pp |
| Delinquency Rate | 1.35% | +0.21 pp |
| Return on Assets | 0.88% | +0.17 pp |
| Member Growth | -0.43% | - |
| Loan-to-Share Ratio | 48.25% | -11.55 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
ED-MED quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.0M | - |
| 2025Q4 | $33.5M | 2,097 |
| 2024Q4 | $31.5M | 2,106 |
| 2023Q4 | $29.7M | 2,084 |
Credit Union Details
- Charter Number
- 13186
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- OGDENSBURG
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for ED-MED.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | OGDENSBURG, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Other-state peers near ED-MED
Similar total assets
Similar health score
Using this data
- ED-MED ranks #2,588 of 4,374 nationally on financial health and #147 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WESTAR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WESTAR
Frequently Asked Questions
Is ED-MED financially healthy?
ED-MED has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,588 of 4,374 nationally on health and #147 of 272 in New York. Its net worth ratio is 12.53% and its delinquency rate 1.35%.
How does ED-MED compare to other credit unions?
ED-MED scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (0.88% vs 0.70%). Its widest shortfall is loan-to-share ratio (48.25% vs 59.80%).
How can I join ED-MED?
ED-MED 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 ED-MED directly for the exact boundaries and application steps.
Is my money safe at ED-MED?
ED-MED 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. ED-MED's net worth ratio of 12.53% 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.