Federal credit union · GENEVA, New York · NCUA charter #18022
Finger Lakes
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $247.9M
- Total assets
- 20,067
- Members
- 14.8%
- Net-worth ratio
Finger Lakes scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $247.9M; members 20,067; net-worth ratio 14.76%; health rank #1,217 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,217 of 4,374 health · 2025Q4Finger Lakes · health 89/100 · $247.9M · 2025Q4
Call Report peers
Finger Lakes in the assets neighbourhood
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Finger Lakes vs every NCUA-scored credit union
Finger Lakes sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Finger Lakes
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +2.92 pp (75.12% vs 72.20%).
New York standing for Finger Lakes
- In New York, health place is #66 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #54 of 272 inside New York ($247.9M reported).
- New York membership ordinal: #46 of 272.
- One place up in New York, ESL (#65) ties at 89/100; one place down, ALCO (#67) ties at 89/100.
Quarter path for Finger Lakes
Finger Lakes: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $247.9M (2025Q4) to $253.1M (2026Q1).
- Net-worth ratio shifted +0.31 pp (14.45% → 14.76%).
At 14.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Finger Lakes gives up 11 points in total. Member Growth costs the most, 10.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.4 pts
- Loan-to-Share Ratio 14.6 pts
Finger Lakes health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.76% | +2.65 pp |
| Delinquency Rate | 0.11% | -0.78 pp |
| Return on Assets | 1.77% | +1.14 pp |
| Member Growth | -2.53% | - |
| Loan-to-Share Ratio | 75.12% | +2.92 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Finger Lakes filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $253.1M | - |
| 2025Q4 | $247.9M | 20,067 |
| 2024Q4 | $236.2M | 20,588 |
| 2023Q4 | $236.0M | 21,323 |
Credit Union Details
- Charter Number
- 18022
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- GENEVA
- Data Quarter
- 2025Q4
Branch Locations (4)
Finger Lakes operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office 27 Seneca (Main Office) | Geneva, NY |
| Fairport Office | Fairport, NY |
| Phelps Branch | Phelps, NY |
| Webster Office | Webster, 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.
Cross-state Call Report peers for Finger Lakes
Using this data
- Finger Lakes ranks #1,217 of 4,374 nationally on financial health and #66 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Moog Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Moog Employees
Frequently Asked Questions
Is Finger Lakes financially healthy?
Finger Lakes has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,217 of 4,374 nationally on health and #66 of 272 in New York. Its net worth ratio is 14.76% and its delinquency rate 0.11%.
How does Finger Lakes compare to other credit unions?
Finger Lakes scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (75.12% vs 72.20%).
How can I join Finger Lakes?
Finger Lakes 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 Finger Lakes directly for the exact boundaries and application steps.
Is my money safe at Finger Lakes?
Finger Lakes 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. Finger Lakes's net worth ratio of 14.76% 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.