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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,846 of 4,374 health · 2025Q4Inner Lakes · health 86/100 · $159.3M · 2025Q4
- CHARTER 86/100
- NCUSIF 9.8%
- CAMELS 0.44%
- HEALTH 0.85%
- NW $159.3M
- DELQ 10,474
- ROA #1,846/4,374
- ASSETS The Focus
- MEM 7717
Call Report peers
Inner Lakes in the assets neighbourhood
Inner Lakes's $159.3M assets sit next to The Focus ($159.3M) 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.
Inner Lakes 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
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 - 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 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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Inner Lakes Call Report trajectory
Inner Lakes: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $159.3M (2025Q4) to $162.1M (2026Q1).
- Net-worth ratio shifted +0.04 pp (9.78% → 9.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
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).
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
Two NCUA Call Report peer sets for Inner Lakes, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($159.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- 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 Inner Lakes financially healthy?
Inner Lakes scores 86/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,846 of 4,374; by total assets it ranks #1,453 of 4,374 nationally (same basis as /rankings/largest); and #69 of 272 within New York. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.82% 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 9.82% 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.
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.