Federal credit union · Springville, New York · NCUA charter #14505
Griffith Institute Employees
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $6.1M
- Total assets
- 605
- Members
- 9.6%
- Net-worth ratio
Griffith Institute Employees scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.1M; members 605; net-worth ratio 9.57%; health rank #2,645 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,645 of 4,374 health · 2025Q4Griffith Institute Employees · health 81/100 · $6.1M · 2025Q4
- ASSETS 81/100
- MEM 9.6%
- RANK 0.67%
- PHOTO 0.09%
- BOOK $6.1M
- CHARTER 605
- NCUSIF #2,645/4,374
- CAMELS n/a
- HEALTH 14505
Griffith Institute Employees carries $6.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Griffith Institute Employees 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
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.
Where Griffith Institute Employees diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.14 pp (0.67% vs 1.81%).
- Largest lag: Loan-to-Share Ratio at 47.89% vs peer 63.60% (-15.71 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Griffith Institute Employees
- Health composite ranks #150 of 272 among scored New York credit unions.
- By total assets, Griffith Institute Employees is #227 of 272 in New York.
- Member book place in New York: #231 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.
Quarter path for Griffith Institute Employees
Griffith Institute Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.5% from $6.1M (2025Q4) to $6.0M (2026Q1).
- Net-worth ratio shifted +0.10 pp (9.47% → 9.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA 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 28.9 pts
- Delinquency Rate 23.3 pts
- Return on Assets 8.6 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 10.6 pts
Griffith Institute Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.57% | -9.49 pp |
| Delinquency Rate | 0.67% | -1.14 pp |
| Return on Assets | 0.09% | -0.36 pp |
| Member Growth | 0.50% | - |
| Loan-to-Share Ratio | 47.89% | -15.71 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Griffith Institute Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.0M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Griffith Institute Employees.
| Office | City |
|---|---|
| Grifith Institute EFCU (Main Office) | Springville, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$10M63Health
- GENERATIONS UNITEDNew York, NY · $2M–$10M67Health
Compare Griffith Institute Employees vs UTICA POLICE DEPARTMENT
Other-state peers near Griffith Institute Employees
Two NCUA Call Report peer sets for Griffith Institute Employees, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Griffith Institute Employees ranks #2,645 of 4,374 nationally on financial health and #150 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Utica Police Department is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Utica Police Department
- 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 Griffith Institute Employees financially healthy?
A 9.57% net worth ratio and a 0.67% delinquency rate feed into Griffith Institute Employees's financial health score of 81/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,645 of 4,374; by total assets it ranks #3,792 of 4,374 nationally (same basis as /rankings/largest); and #227 of 272 within New York. 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 81/100 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 9.57% 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.
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.