Federal credit union · Buffalo, New York · NCUA charter #858
Kenmore N. Y. Teachers
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $65.3M
- Total assets
- 3,786
- Members
- 9.6%
- Net-worth ratio
Kenmore N. Y. Teachers - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #858. See our deposit-insurance coverage note.
Kenmore N. Y. Teachers - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)96
- Asset quality (delinquency)81
- Earnings (ROA)100
- Member growth44
- Liquidity (loan-to-share)66
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.57% | 30% |
| Delinquency Rate | 0.98% | 25% |
| Return on Assets | 0.66% | 15% |
| Member Growth | -1.30% | 15% |
| Loan-to-Share Ratio | 44.00% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $65.3M | 3,786 |
| 2024Q4 | $61.6M | 3,836 |
| 2023Q4 | $62.8M | 3,767 |
Credit Union Details
- Charter Number
- 858
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- Buffalo
- Data Quarter
- 2025Q4
What This Data Says About Kenmore N. Y. Teachers
3,786 members and $65.3M in total assets sit behind Kenmore N. Y. Teachers, a federal credit union in Buffalo, New York, which posts a health score of 81/100 (Excellent) on the five-factor composite, with $26.2M in outstanding loans as of Q4 2025 and a net worth ratio of 9.57% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #858 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.98% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. The loan-to-share ratio of 44.00% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.66% on net income of $431K 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 -1.30%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Kenmore N. Y. Teachers financially healthy?
Kenmore N. Y. Teachers has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.57% and delinquency rate of 0.98%.
How does Kenmore N. Y. Teachers compare to other credit unions?
Kenmore N. Y. Teachers scores 81/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Kenmore N. Y. Teachers?
Kenmore N. Y. Teachers 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 Kenmore N. Y. Teachers directly for the exact boundaries and application steps.
Is my money safe at Kenmore N. Y. Teachers?
Federal credit unions like Kenmore N. Y. Teachers 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. Kenmore N. Y. Teachers's net worth ratio of 9.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kenmore N. Y. Teachers offer compared to banks?
Credit unions like Kenmore N. Y. Teachers 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 Kenmore N. Y. Teachers 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.