Federal credit union · ROCHESTER, New York · NCUA charter #19304
Family First of Ny
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $328.1M
- Total assets
- 14,736
- Members
- 12.0%
- Net-worth ratio
Family First of Ny scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $328.1M; members 14,736; net-worth ratio 12.02%; health rank #3,339 of 4,374; healthier than 23rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,339 of 4,374 health · 2025Q4Family First of Ny · health 74/100 · $328.1M · 2025Q4
- DELQ 74/100
- ROA 12.0%
- ASSETS 0.60%
- MEM 0.31%
- RANK $328.1M
- PHOTO 14,736
- BOOK #3,339/4,374
- CHARTER DOWNEY
- NCUSIF 19304
Call Report peers
Family First of Ny in the assets neighbourhood
Family First of Ny's $328.1M assets sit next to DOWNEY ($328.0M) 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.
Family First of Ny 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
74 23rd percentile higher than 23% 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
Family First of Ny - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #19304. See our deposit-insurance coverage note.
Family First of Ny: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 110.92% vs peer 72.20% (+38.72 pp).
- Largest lag: Return on Assets at 0.31% vs peer 0.62% (-0.32 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Family First of Ny
- Health composite ranks #190 of 272 among scored New York credit unions.
- New York assets place: #45 of 272.
- New York membership ordinal: #52 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 Family First of Ny
Family First of Ny: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $328.1M (2025Q4) to $340.2M (2026Q1).
- Net-worth ratio shifted +0.64 pp (11.38% → 12.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.02% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.0 pts
- Return on Assets 12.1 pts
- Member Growth 1.3 pts
- Loan-to-Share Ratio 6.6 pts
Call Report ratios for Family First of Ny
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.02% | -0.09 pp |
| Delinquency Rate | 0.60% | -0.29 pp |
| Return on Assets | 0.31% | -0.32 pp |
| Member Growth | -4.30% | - |
| Loan-to-Share Ratio | 110.92% | +38.72 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $340.2M | - |
| 2025Q4 | $328.1M | 14,736 |
| 2024Q4 | $321.3M | 15,398 |
| 2023Q4 | $319.0M | 15,796 |
Credit Union Details
- Charter Number
- 19304
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- ROCHESTER
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Family First of Ny, spread across 3 cities.
| Office | City |
|---|---|
| Penfield Branch (Main Office) | Rochester, NY |
| East Rochester / Perinton Branch | East Rochester, NY |
| Henrietta Branch | Rochester, NY |
| Greece Branch | Rochester, NY |
| Webster Branch | Webster, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Family First of Ny - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($328.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- Family First of Ny ranks #3,339 of 4,374 nationally on financial health and #190 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ACTORS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ACTORS
- 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 Family First of Ny financially healthy?
Family First of Ny scores 74/100 (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 #3,339 of 4,374; by total assets it ranks #988 of 4,374 nationally (same basis as /rankings/largest); and #45 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.02% net worth ratio and a 0.60% delinquency rate.
How does Family First of Ny compare to other credit unions?
74/100 is Family First of Ny's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Family First of Ny?
Family First of Ny 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 Family First of Ny directly for the exact boundaries and application steps.
Is my money safe at Family First of Ny?
Federal credit unions like Family First of Ny 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. Family First of Ny's net worth ratio of 12.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Family First of Ny offer compared to banks?
Credit unions like Family First of Ny 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 Family First of Ny 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.