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
Call Report peers
Finger Lakes Health Care in the assets neighbourhood
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
Finger Lakes Health Care sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in New York, Gowanda Area (#111) ties at 85/100; one place down, Community Resource (#113) ties at 85/100.
How Finger Lakes Health Care's 5300 filing moved
Finger Lakes Health Care: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $34.3M (2025Q4) to $35.0M (2026Q1).
- Net-worth ratio shifted -0.15 pp (15.64% → 15.49%).
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
Finger Lakes Health Care gives up 15 points in total. Member Growth costs the most, 9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Finger Lakes Health Care financially healthy?
Finger Lakes Health Care has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,926 of 4,374 nationally on health and #112 of 272 in New York. Its net worth ratio is 15.49% and its delinquency rate 0.01%.
How does Finger Lakes Health Care compare to other credit unions?
Finger Lakes Health Care scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.01% vs 1.15%). Its widest shortfall is loan-to-share ratio (29.65% vs 59.80%).
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?
Finger Lakes Health Care 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 Health Care's net worth ratio of 15.49% 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.