Federal credit union · Gowanda, New York · NCUA charter #818
Gowanda Area
Health score 85/100 (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 - 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 - 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)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth29
- Liquidity (loan-to-share)69
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 16.22% 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 | 16.22% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 2.70% | 15% |
| Member Growth | -2.61% | 15% |
| Loan-to-Share Ratio | 48.39% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Gowanda Area
Charter #818, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Gowanda Area, a federal credit union in Gowanda, New York with 1,867 members, $31.2M in total assets, and $12.6M in outstanding loans as of Q4 2025. The five-factor composite scores it 85/100 (Excellent), helped by a net worth ratio of 16.22% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 48.39% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.00% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 2.70% on net income of $841K 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 -2.61%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.22% 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 16.22% 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.
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.