Federal credit union · Buffalo, New York · NCUA charter #858
Kenmore N. Y. Teachers
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $65.3M
- Total assets
- 3,786
- Members
- 9.2%
- Net-worth ratio
Kenmore N. Y. Teachers scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $65.3M; members 3,786; net-worth ratio 9.17%; health rank #2,782 of 4,374; healthier than 36th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,782 of 4,374 health · 2025Q4Kenmore N. Y. Teachers · health 80/100 · $65.3M · 2025Q4
- BOOK 80/100
- CHARTER 9.2%
- NCUSIF 0.98%
- CAMELS 0.66%
- HEALTH $65.3M
- NW 3,786
- DELQ #2,782/4,374
- ROA Northwest Community
- ASSETS 858
Call Report peers
Kenmore N. Y. Teachers in the assets neighbourhood
Kenmore N. Y. Teachers's $65.3M assets sit next to Northwest Community ($65.3M) 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.
Kenmore N. Y. Teachers 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
80 36th percentile higher than 36% 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
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.
Where Kenmore N. Y. Teachers diverges from peer averages
- Return on Assets leads the peer set - 0.66% here, 0.66% peer average (+0.00 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -18.60 pp (44.00% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Kenmore N. Y. Teachers
- Health composite ranks #154 of 272 among scored New York credit unions.
- By total assets, Kenmore N. Y. Teachers is #112 of 272 in New York.
- New York membership ordinal: #122 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.
Kenmore N. Y. Teachers: 2025Q4 → 2026Q1
Kenmore N. Y. Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.5% from $65.3M (2025Q4) to $69.6M (2026Q1).
- Net-worth ratio shifted -0.40 pp (9.57% → 9.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.17%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 27.9 pts
- Delinquency Rate 20.2 pts
- Return on Assets 15.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 10.2 pts
Kenmore N. Y. Teachers health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.17% | -4.45 pp |
| Delinquency Rate | 0.98% | +0.01 pp |
| Return on Assets | 0.66% | +0.00 pp |
| Member Growth | -1.30% | - |
| Loan-to-Share Ratio | 44.00% | -18.60 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $69.6M | - |
| 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
Branch Location
Kenmore N. Y. Teachers operates a single office in Buffalo, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Buffalo, 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 Kenmore N. Y. Teachers
Two NCUA Call Report peer sets for Kenmore N. Y. Teachers, 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 ($65.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Kenmore N. Y. Teachers ranks #2,782 of 4,374 nationally on financial health and #154 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Morton Lane is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Morton Lane
- 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 Kenmore N. Y. Teachers financially healthy?
Kenmore N. Y. Teachers has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,782 of 4,374; by total assets it ranks #2,190 of 4,374 nationally (same basis as /rankings/largest); and #112 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.17% and delinquency rate of 0.98%.
How does Kenmore N. Y. Teachers compare to other credit unions?
Kenmore N. Y. Teachers scores 80/100 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 9.17% 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.
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.