Federal credit union · Olean, New York · NCUA charter #21083
High Point
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $414.7M
- Total assets
- 21,030
- Members
- 14.1%
- Net-worth ratio
High Point - Share Insurance Coverage
Charter #21083's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
High Point - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)95
- Earnings (ROA)86
- Member growth92
- Liquidity (loan-to-share)85
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
14.11% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.11% | 30% |
| Delinquency Rate | 0.63% | 25% |
| Return on Assets | 0.36% | 15% |
| Member Growth | 4.01% | 15% |
| Loan-to-Share Ratio | 60.09% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $414.7M | 21,030 |
| 2024Q4 | $401.8M | 20,220 |
| 2023Q4 | $406.1M | 20,245 |
Credit Union Details
- Charter Number
- 21083
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Olean
- Data Quarter
- 2025Q4
What This Data Says About High Point
Headquartered in Olean, New York, High Point is a federal credit union with 21,030 members, $414.7M in total assets, and $216.2M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 93/100 (Excellent), driven in part by a net worth ratio of 14.11% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #21083 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 60.09% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.63% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 0.36% on net income of $1.5M 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 4.01%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 High Point financially healthy?
A 14.11% net worth ratio and a 0.63% delinquency rate feed into High Point's financial health score of 93/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does High Point compare to other credit unions?
PlainCU's health composite puts High Point at 93/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 High Point?
High Point 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 High Point directly for the exact boundaries and application steps.
Is my money safe at High Point?
Federal credit unions like High Point 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. High Point's net worth ratio of 14.11% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does High Point offer compared to banks?
Credit unions like High Point 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 High Point 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.