Federal credit union · WESTFIELD, New York · NCUA charter #7717
Inner Lakes
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $159.3M
- Total assets
- 10,474
- Members
- 9.8%
- Net-worth ratio
Inner Lakes scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $159.3M; members 10,474; net-worth ratio 9.82%; health rank #1,846 of 4,374; healthier than 57th of scored peers.
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NCUA 5300 Call Report Masthead
#1,846 of 4,374 health · 2025Q4Inner Lakes · health 86/100 · $159.3M · 2025Q4
Call Report peers
Inner Lakes in the assets neighbourhood
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Inner Lakes vs every NCUA-scored credit union
Inner Lakes sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% 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
Inner Lakes vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.46 pp (0.44% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -36.23 pp (35.97% vs 72.20%).
Inner Lakes in New York
- Health composite ranks #108 of 272 among scored New York credit unions.
- New York assets place: #69 of 272.
- New York membership ordinal: #69 of 272.
- One place up in New York, First Source (#107) ties at 86/100; one place down, LINTON (#109) scores 85/100, 1 point lower.
Inner Lakes Call Report trajectory
Inner Lakes: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $159.3M (2025Q4) to $162.1M (2026Q1).
- Net-worth ratio shifted +0.04 pp (9.78% → 9.82%).
At 9.82%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
Inner Lakes gives up 14 points in total. Member Growth costs the most, 7.5 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 29.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 8.9 pts
Inner Lakes health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.82% | -2.29 pp |
| Delinquency Rate | 0.44% | -0.46 pp |
| Return on Assets | 0.85% | +0.22 pp |
| Member Growth | -0.84% | - |
| Loan-to-Share Ratio | 35.97% | -36.23 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Inner Lakes filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $162.1M | - |
| 2025Q4 | $159.3M | 10,474 |
| 2024Q4 | $148.0M | 10,563 |
| 2023Q4 | $140.1M | 10,126 |
Credit Union Details
- Charter Number
- 7717
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- WESTFIELD
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Inner Lakes, spread across 5 cities.
| Office | City |
|---|---|
| 19-21 East Main Street (Main Office) | Westfield, NY |
| 21 Main Street | Bemus Point, NY |
| Dunkirk Office | Dunkirk, NY |
| 3795 Lakeview Rd. | Fredonia, NY |
| Silver Creek | Silver Creek, NY |
| Administrative Office | Westfield, 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.
Cross-state Call Report peers for Inner Lakes
Using this data
- Inner Lakes ranks #1,846 of 4,374 nationally on financial health and #108 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southern Chautauqua is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southern Chautauqua
Frequently Asked Questions
Is Inner Lakes financially healthy?
On its 2025Q4 NCUA 5300 filing, Inner Lakes scores 86/100 (Excellent), with a 9.82% net worth ratio and 0.44% of loans delinquent. It ranks #1,846 of 4,374 nationally on health and #108 of 272 in New York.
How does Inner Lakes compare to other credit unions?
Inner Lakes scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.44% vs 0.89%). Its widest shortfall is loan-to-share ratio (35.97% vs 72.20%).
How can I join Inner Lakes?
Inner Lakes 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 Inner Lakes directly for the exact boundaries and application steps.
Is my money safe at Inner Lakes?
Inner Lakes 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. Inner Lakes's net worth ratio of 9.82% 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.