Federal credit union · BUFFALO, New York · NCUA charter #22220
Kaleida Health
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $20.1M
- Total assets
- 3,263
- Members
- 16.7%
- Net-worth ratio
Kaleida Health scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.1M; members 3,263; net-worth ratio 16.74%; health rank #1,582 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,582 of 4,374 health · 2025Q4Kaleida Health · health 87/100 · $20.1M · 2025Q4
Call Report peers
Kaleida Health in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Kaleida Health vs every NCUA-scored credit union
Kaleida Health sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
Kaleida Health: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +12.93 pp (72.73% vs 59.80%).
New York standing for Kaleida Health
- New York health ordinal: #87 of 272.
- New York assets place: #186 of 272.
- New York membership ordinal: #134 of 272.
- One place up in New York, Town of Cheektowaga (#86) ties at 87/100; one place down, Hudson River Community (#88) ties at 87/100.
Kaleida Health: 2025Q4 → 2026Q1
Kaleida Health: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $20.1M (2025Q4) to $20.4M (2026Q1).
- Net-worth ratio shifted -0.10 pp (16.84% → 16.74%).
16.74% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Kaleida Health gives up 13 points in total. Member Growth costs the most, 12.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.5 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.74% | +1.88 pp |
| Delinquency Rate | 0.13% | -1.01 pp |
| Return on Assets | 1.70% | +0.99 pp |
| Member Growth | -3.63% | - |
| Loan-to-Share Ratio | 72.73% | +12.93 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.4M | - |
| 2025Q4 | $20.1M | 3,263 |
| 2024Q4 | $18.6M | 3,386 |
| 2023Q4 | $19.4M | 3,487 |
Credit Union Details
- Charter Number
- 22220
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- BUFFALO
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Kaleida Health, spread across 2 cities.
| Office | City |
|---|---|
| Buffalo General Office (Main Office) | Buffalo, NY |
| Shared Branch | Buffalo, NY |
| Suburban Office | Williamsville, 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.
Other-state peers near Kaleida Health
Using this data
- Kaleida Health ranks #1,582 of 4,374 nationally on financial health and #87 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Heart Center is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Heart Center
Frequently Asked Questions
Is Kaleida Health financially healthy?
On its 2025Q4 NCUA 5300 filing, Kaleida Health scores 87/100 (Excellent), with a 16.74% net worth ratio and 0.13% of loans delinquent. It ranks #1,582 of 4,374 nationally on health and #87 of 272 in New York.
How does Kaleida Health compare to other credit unions?
Kaleida Health scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (72.73% vs 59.80%).
How can I join Kaleida Health?
Kaleida Health 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 Kaleida Health directly for the exact boundaries and application steps.
Is my money safe at Kaleida Health?
Kaleida Health 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. Kaleida Health's net worth ratio of 16.74% 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.