Federal credit union · Springville, New York · NCUA charter #14505
Griffith Institute Employees
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $6.1M
- Total assets
- 605
- Members
- 9.5%
- Net-worth ratio
Griffith Institute Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #14505. See our deposit-insurance coverage note.
Griffith Institute Employees - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)96
- Asset quality (delinquency)93
- Earnings (ROA)57
- Member growth64
- Liquidity (loan-to-share)69
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.47%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.47% | 30% |
| Delinquency Rate | 0.67% | 25% |
| Return on Assets | 0.09% | 15% |
| Member Growth | 0.50% | 15% |
| Loan-to-Share Ratio | 47.89% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.1M | 605 |
| 2024Q4 | $5.9M | 602 |
| 2023Q4 | $5.8M | 598 |
Credit Union Details
- Charter Number
- 14505
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New York
- City
- Springville
- Data Quarter
- 2025Q4
What This Data Says About Griffith Institute Employees
605 members and $6.1M in total assets sit behind Griffith Institute Employees, a federal credit union in Springville, New York, which posts a health score of 80/100 (Excellent) on the five-factor composite, with $2.6M in outstanding loans as of Q4 2025 and a net worth ratio of 9.47% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #14505 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 0.67% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Meanwhile a 47.89% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.09% on net income of $6K 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 0.50%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
- UTICA POLICE DEPARTMENTUTICA, NY · $2M–$10M61Health
- TRANSIT AUTHORITY DIVISION BNew York, NY · $2M–$10M59Health
- WATERTOWN POSTALWATERTOWN, NY · $2M–$10M77Health
- SCHENECTADY COUNTY EMPLOYEESSchenectady, NY · $2M–$10M53Health
- GENERATIONS UNITEDNew York, NY · $2M–$10M67Health
Compare Griffith Institute Employees vs UTICA POLICE DEPARTMENT
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 Griffith Institute Employees financially healthy?
A 9.47% net worth ratio and a 0.67% delinquency rate feed into Griffith Institute Employees's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Griffith Institute Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Griffith Institute Employees's 80/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Griffith Institute Employees?
Griffith Institute Employees 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 Griffith Institute Employees directly for the exact boundaries and application steps.
Is my money safe at Griffith Institute Employees?
Federal credit unions like Griffith Institute Employees 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. Griffith Institute Employees's net worth ratio of 9.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Griffith Institute Employees offer compared to banks?
Credit unions like Griffith Institute Employees 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 Griffith Institute Employees 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.