Federal credit union · ELMIRA, New York · NCUA charter #21294
Finger Lakes Health Care
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $34.3M
- Total assets
- 2,486
- Members
- 15.5%
- Net-worth ratio
Finger Lakes Health Care scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.3M; members 2,486; net-worth ratio 15.49%; health rank #1,926 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,926 of 4,374 health · 2025Q4Finger Lakes Health Care · health 85/100 · $34.3M · 2025Q4
- CHARTER 85/100
- NCUSIF 15.5%
- CAMELS 0.01%
- HEALTH 0.81%
- NW $34.3M
- DELQ 2,486
- ROA #1,926/4,374
- ASSETS RELIANCE
- MEM 21294
Call Report peers
Finger Lakes Health Care in the assets neighbourhood
Finger Lakes Health Care's $34.3M assets sit next to RELIANCE ($34.3M) 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.
Finger Lakes Health Care 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
85 Top 46% higher than 54% 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
Finger Lakes Health Care - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #21294 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Finger Lakes Health Care diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.01% vs peer 1.15% (-1.13 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -30.15 pp (29.65% 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.
Where Finger Lakes Health Care sits in New York
- In New York, health place is #112 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, Finger Lakes Health Care is #153 of 272 in New York.
- Membership ranks #160 of 272 among New York CUs with a reported count (2,486 members).
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 Finger Lakes Health Care's 5300 filing moved
Finger Lakes Health Care: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $34.3M (2025Q4) to $35.0M (2026Q1).
- Net-worth ratio shifted -0.15 pp (15.64% → 15.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 15.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.0 pts
- Loan-to-Share Ratio 9.0 pts
Finger Lakes Health Care vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.49% | +0.63 pp |
| Delinquency Rate | 0.01% | -1.13 pp |
| Return on Assets | 0.81% | +0.11 pp |
| Member Growth | -1.66% | - |
| Loan-to-Share Ratio | 29.65% | -30.15 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).
Finger Lakes Health Care quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.0M | - |
| 2025Q4 | $34.3M | 2,486 |
| 2024Q4 | $32.6M | 2,528 |
| 2023Q4 | $30.9M | 3,162 |
Credit Union Details
- Charter Number
- 21294
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- ELMIRA
- Data Quarter
- 2025Q4
Branch Location
Finger Lakes Health Care operates a single office in Elmira, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main office (Main Office) | Elmira, 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 Finger Lakes Health Care - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($34.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Finger Lakes Health Care ranks #1,926 of 4,374 nationally on financial health and #112 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Finest is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Finest
- 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 Finger Lakes Health Care financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Finger Lakes Health Care carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,926 of 4,374; by total assets it ranks #2,739 of 4,374 nationally (same basis as /rankings/largest); and #153 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 15.49% net worth ratio and a 0.01% delinquency rate.
How does Finger Lakes Health Care compare to other credit unions?
On PlainCU's health composite, Finger Lakes Health Care lands at 85/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Finger Lakes Health Care?
Finger Lakes Health Care 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 Health Care directly for the exact boundaries and application steps.
Is my money safe at Finger Lakes Health Care?
Federal credit unions like Finger Lakes Health Care 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. Finger Lakes Health Care's net worth ratio of 15.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Finger Lakes Health Care offer compared to banks?
Credit unions like Finger Lakes Health Care 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 Finger Lakes Health Care 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.