Federal credit union · ROCHESTER, New York · NCUA charter #24274
Greece Community
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $12.4M
- Total assets
- 1,353
- Members
- 12.1%
- Net-worth ratio
Greece Community scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.4M; members 1,353; net-worth ratio 12.08%; health rank #2,593 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,593 of 4,374 health · 2025Q4Greece Community · health 81/100 · $12.4M · 2025Q4
- DELQ 81/100
- ROA 12.1%
- ASSETS 0.98%
- MEM 1.05%
- RANK $12.4M
- PHOTO 1,353
- BOOK #2,593/4,374
- CHARTER P S E
- NCUSIF 24274
Call Report peers
Greece Community in the assets neighbourhood
Greece Community's $12.4M assets sit next to P S E ($12.4M) 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.
Greece Community 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
81 39th percentile higher than 39% 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
Greece Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24274, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Greece Community
- Largest favorable gap: Loan-to-Share Ratio at 65.82% vs peer 59.80% (+6.02 pp).
- Net Worth Ratio trails the peer set - 12.08% here, 14.86% peer average (-2.78 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Greece Community in New York
- New York health ordinal: #148 of 272.
- New York assets place: #202 of 272.
- New York membership ordinal: #205 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.
Greece Community Call Report trajectory
Greece Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.4% from $12.4M (2025Q4) to $12.9M (2026Q1).
- Net-worth ratio shifted -0.32 pp (12.40% → 12.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.08% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.2 pts
- Return on Assets 15.0 pts
- Member Growth 1.5 pts
- Loan-to-Share Ratio 14.3 pts
Greece Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.08% | -2.78 pp |
| Delinquency Rate | 0.98% | -0.17 pp |
| Return on Assets | 1.05% | +0.35 pp |
| Member Growth | -4.18% | - |
| Loan-to-Share Ratio | 65.82% | +6.02 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).
Call Report history - Greece Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.9M | - |
| 2025Q4 | $12.4M | 1,353 |
| 2024Q4 | $12.3M | 1,412 |
| 2023Q4 | $12.7M | 1,435 |
Credit Union Details
- Charter Number
- 24274
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- ROCHESTER
- Data Quarter
- 2025Q4
Branch Locations (2)
Greece Community operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Greece Community FCU (Main Office) | Rochester, NY |
| Spencerport Federal Credit Union | Spencerport, 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.
Other-state peers near Greece Community
Two NCUA Call Report peer sets for Greece Community, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Greece Community ranks #2,593 of 4,374 nationally on financial health and #148 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tompkins Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tompkins Employees
- 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 Greece Community financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - Greece Community'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 #2,593 of 4,374; by total assets it ranks #3,437 of 4,374 nationally (same basis as /rankings/largest); and #202 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.08% net worth ratio and 0.98% delinquency rate are the key drivers.
How does Greece Community compare to other credit unions?
On PlainCU's health composite, Greece Community lands at 81/100, 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 Greece Community?
Greece Community 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 Greece Community directly for the exact boundaries and application steps.
Is my money safe at Greece Community?
Federal credit unions like Greece Community 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. Greece Community's net worth ratio of 12.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Greece Community offer compared to banks?
Credit unions like Greece Community 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 Greece Community 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.