Federal credit union · WESTFIELD, New York · NCUA charter #7717
Inner Lakes
Health score 86/100 (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 - Share Insurance Coverage
Charter #7717'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.
Inner Lakes - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)98
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth50
- Liquidity (loan-to-share)62
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.78%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.78% | 30% |
| Delinquency Rate | 0.44% | 25% |
| Return on Assets | 0.85% | 15% |
| Member Growth | -0.84% | 15% |
| Loan-to-Share Ratio | 35.97% | 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 | $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
What This Data Says About Inner Lakes
Headquartered in WESTFIELD, New York, Inner Lakes is a federal credit union with 10,474 members, $159.3M in total assets, and $53.7M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 86/100 (Excellent), driven in part by a net worth ratio of 9.78% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #7717 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 35.97% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.44% 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 0.85% on net income of $1.3M 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 -0.84%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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 Inner Lakes financially healthy?
Inner Lakes scores 86/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.78% net worth ratio and a 0.44% delinquency rate.
How does Inner Lakes compare to other credit unions?
On PlainCU's health composite, Inner Lakes lands at 86/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like Inner Lakes 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. Inner Lakes's net worth ratio of 9.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Inner Lakes offer compared to banks?
Credit unions like Inner Lakes 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 Inner Lakes 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.