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
Call Report peers
Gowanda Area in the assets neighbourhood
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
Gowanda Area 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
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%).
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.
- One place up in New York, Parks Heritage (#110) ties at 85/100; one place down, Finger Lakes Health Care (#112) ties at 85/100.
How Gowanda Area's 5300 filing moved
Gowanda Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $31.2M (2025Q4) to $32.1M (2026Q1).
- Net-worth ratio shifted -0.03 pp (16.22% → 16.19%).
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
Gowanda Area gives up 15 points in total. Member Growth costs the most, 10.7 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 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Gowanda Area financially healthy?
Gowanda Area has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,915 of 4,374 nationally on health and #111 of 272 in New York. Its net worth ratio is 16.19% and its delinquency rate 0.00%.
How does Gowanda Area compare to other credit unions?
Gowanda Area 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 return on assets (2.70% vs 0.70%). Its widest shortfall is loan-to-share ratio (48.39% vs 59.80%).
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?
Gowanda Area 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. Gowanda Area's net worth ratio of 16.19% 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.