Federal credit union · Gowanda, New York · NCUA charter #818
Gowanda Area
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $31.2M
- Total assets
- 1,867
- Members
- 16.2%
- Net-worth ratio
Gowanda Area scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.2M; members 1,867; net-worth ratio 16.19%; health rank #1,915 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,915 of 4,374 health · 2025Q4Gowanda Area · health 85/100 · $31.2M · 2025Q4
- RANK 85/100
- PHOTO 16.2%
- BOOK 0.00%
- CHARTER 2.70%
- NCUSIF $31.2M
- CAMELS 1,867
- HEALTH #1,915/4,374
- NW QUESTA
- DELQ 818
Call Report peers
Gowanda Area in the assets neighbourhood
Gowanda Area's $31.2M assets sit next to QUESTA ($31.3M) 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.
Gowanda Area 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
Gowanda Area - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #818. See our deposit-insurance coverage note.
Gowanda Area: Call Report deltas vs peers
- Return on Assets leads the peer set - 2.70% here, 0.70% peer average (+1.99 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.41 pp (48.39% 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.
Gowanda Area: in-state Call Report ranks
- In New York, health place is #111 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, Gowanda Area is #163 of 272 in New York.
- Member book place in New York: #180 of 272.
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 Gowanda Area's 5300 filing moved
Gowanda Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $31.2M (2025Q4) to $32.1M (2026Q1).
- Net-worth ratio shifted -0.03 pp (16.22% → 16.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.19% 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 4.3 pts
- Loan-to-Share Ratio 10.7 pts
Call Report ratios for Gowanda Area
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.19% | +1.33 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 2.70% | +1.99 pp |
| Member Growth | -2.61% | - |
| Loan-to-Share Ratio | 48.39% | -11.41 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $32.1M | - |
| 2025Q4 | $31.2M | 1,867 |
| 2024Q4 | $30.9M | 1,917 |
| 2023Q4 | $28.3M | 1,949 |
Credit Union Details
- Charter Number
- 818
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New York
- City
- Gowanda
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Gowanda Area runs one office.
| Office | City |
|---|---|
| Gowanda Area FCU (Main Office) | Gowanda, 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.
Gowanda Area nationwide neighbourhoods
Cross-state asset and health neighbours for Gowanda Area - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($31.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Gowanda Area ranks #1,915 of 4,374 nationally on financial health and #111 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ROME is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ROME
- 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 Gowanda Area financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - Gowanda Area's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,915 of 4,374; by total assets it ranks #2,821 of 4,374 nationally (same basis as /rankings/largest); and #163 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.19% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Gowanda Area compare to other credit unions?
On PlainCU's health composite, Gowanda Area 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 Gowanda Area?
Gowanda Area serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Gowanda Area directly for the current list of qualifying groups.
Is my money safe at Gowanda Area?
Federal credit unions like Gowanda Area 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. Gowanda Area's net worth ratio of 16.19% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Gowanda Area offer compared to banks?
Credit unions like Gowanda Area 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 Gowanda Area 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.