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.
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Griffith Institute Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Griffith Institute Employees sits in 80-84 with 767 others.
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
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).
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.
- One place up in New York, Jovia Financial (#149) ties at 81/100; one place down, SUNMARK (#151) ties at 81/100.
Quarter path for Griffith Institute Employees
Griffith Institute Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.5% from $6.1M (2025Q4) to $6.0M (2026Q1).
- Net-worth ratio shifted +0.10 pp (9.47% → 9.57%).
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
Griffith Institute Employees gives up 19 points in total. Return on Assets costs the most, 6.4 of its 15; Net Worth Ratio loses the least, 1.1.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Griffith Institute Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Griffith Institute Employees scores 81/100 (Excellent), with a 9.57% net worth ratio and 0.67% of loans delinquent. It ranks #2,645 of 4,374 nationally on health and #150 of 272 in New York.
How does Griffith Institute Employees compare to other credit unions?
Griffith Institute Employees scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.67% vs 1.81%). Its widest shortfall is loan-to-share ratio (47.89% vs 63.60%).
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?
Griffith Institute Employees 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. Griffith Institute Employees's net worth ratio of 9.57% 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.