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
Call Report peers
Family First of Ny in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Family First of Ny sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in New York, BEREA (#189) ties at 74/100; one place down, Korean American Catholics (#191) ties at 74/100.
Quarter path for Family First of Ny
Family First of Ny: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $328.1M (2025Q4) to $340.2M (2026Q1).
- Net-worth ratio shifted +0.64 pp (11.38% → 12.02%).
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
Family First of Ny gives up 26 points in total. Member Growth costs the most, 13.7 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Family First of Ny financially healthy?
Family First of Ny has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,339 of 4,374 nationally on health and #190 of 272 in New York. Its net worth ratio is 12.02% and its delinquency rate 0.60%.
How does Family First of Ny compare to other credit unions?
Family First of Ny scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (110.92% vs 72.20%). Its widest shortfall is return on assets (0.31% vs 0.62%).
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?
Family First of Ny 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. Family First of Ny's net worth ratio of 12.02% 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.