Federal credit union · Olean, New York · NCUA charter #21083
High Point
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $414.7M
- Total assets
- 21,030
- Members
- 14.0%
- Net-worth ratio
High Point scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $414.7M; members 21,030; net-worth ratio 14.04%; health rank #604 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#604 of 4,374 health · 2025Q4High Point · health 93/100 · $414.7M · 2025Q4
- HEALTH 93/100
- NW 14.0%
- DELQ 0.63%
- ROA 0.36%
- ASSETS $414.7M
- MEM 21,030
- RANK #604/4,374
- PHOTO JORDAN
- BOOK 21083
Call Report peers
High Point in the assets neighbourhood
High Point's $414.7M assets sit next to JORDAN ($414.4M) 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.
High Point 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
93 Top 16% higher than 84% 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
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.
Where High Point diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +1.93 pp (14.04% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 60.09% vs peer 72.20% (-12.11 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
High Point: in-state Call Report ranks
- New York health ordinal: #31 of 272.
- By total assets, High Point is #40 of 272 in New York.
- New York membership ordinal: #45 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.
High Point Call Report trajectory
High Point: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.6% from $414.7M (2025Q4) to $433.8M (2026Q1).
- Net-worth ratio shifted -0.07 pp (14.11% → 14.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
14.04% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.7 pts
- Return on Assets 12.9 pts
- Member Growth 13.8 pts
- Loan-to-Share Ratio 12.6 pts
High Point health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.04% | +1.93 pp |
| Delinquency Rate | 0.63% | -0.27 pp |
| Return on Assets | 0.36% | -0.26 pp |
| Member Growth | 4.01% | - |
| Loan-to-Share Ratio | 60.09% | -12.11 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
High Point filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $433.8M | - |
| 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
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for High Point, spread across 5 cities in 2 states.
| Office | City |
|---|---|
| High Point FCU (Main Office) | Olean, NY |
| High Point FCU | Allegany, NY |
| High Point FCU | Bradford, PA |
| High Point FCU | Little Valley, NY |
| High Point FCU | Olean, NY |
| High Point FCU | Portville, 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.
Nationwide credit unions with similar profiles
High Point's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($414.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- High Point ranks #604 of 4,374 nationally on financial health and #31 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UKRAINIAN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UKRAINIAN
- 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 High Point financially healthy?
A 14.04% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #604 of 4,374; by total assets it ranks #845 of 4,374 nationally (same basis as /rankings/largest); and #40 of 272 within New York. 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 14.04% 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.
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.