Federal credit union · Depew, New York · NCUA charter #11663
Good Neighbors
Health score 58/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $92.7M
- Total assets
- 10,438
- Members
- 7.0%
- Net-worth ratio
Good Neighbors - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11663: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Good Neighbors - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)75
- Asset quality (delinquency)43
- Earnings (ROA)0
- Member growth64
- Liquidity (loan-to-share)99
Weighted composite: 58/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 7.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.01% | 30% |
| Delinquency Rate | 2.27% | 25% |
| Return on Assets | -1.18% | 15% |
| Member Growth | 0.44% | 15% |
| Loan-to-Share Ratio | 69.42% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $92.7M | 10,438 |
| 2024Q4 | $94.3M | 10,392 |
| 2023Q4 | $94.4M | 9,991 |
Credit Union Details
- Charter Number
- 11663
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- Depew
- Data Quarter
- 2025Q4
What This Data Says About Good Neighbors
Good Neighbors is a federal credit union headquartered in Depew, New York, serving 10,438 members with $92.7M in total assets and $59.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 58/100 (Fair), anchored by a net worth ratio of 7.01% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #11663 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 2.27% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Meanwhile a 69.42% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -1.18% on net income of $-1095319 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.44%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Good Neighbors financially healthy?
Yes/no aside, the number is 58/100 (Fair) - Good Neighbors's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.01% net worth ratio and 2.27% delinquency rate are the key drivers.
How does Good Neighbors compare to other credit unions?
58/100 is Good Neighbors's score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Good Neighbors?
Good Neighbors 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 Good Neighbors directly for the exact boundaries and application steps.
Is my money safe at Good Neighbors?
Federal credit unions like Good Neighbors 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. Good Neighbors's net worth ratio of 7.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Good Neighbors offer compared to banks?
Credit unions like Good Neighbors 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 Good Neighbors directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.