Federal credit union · LE ROY, New York · NCUA charter #12170
Le Roy
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $20.8M
- Total assets
- 1,557
- Members
- 10.7%
- Net-worth ratio
Le Roy scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.8M; members 1,557; net-worth ratio 10.71%; health rank #3,540 of 4,374; healthier than 18th of scored peers.
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NCUA 5300 Call Report Masthead
#3,540 of 4,374 health · 2025Q4Le Roy · health 71/100 · $20.8M · 2025Q4
Call Report peers
Le Roy in the assets neighbourhood
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Le Roy vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Le Roy sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Le Roy: Call Report deltas vs peers
- Return on Assets leads the peer set - 1.73% here, 0.70% peer average (+1.03 pp).
- Loan-to-Share Ratio trails the peer set - 36.87% here, 59.80% peer average (-22.93 pp).
New York standing for Le Roy
- New York health ordinal: #207 of 272.
- New York assets place: #182 of 272.
- Member book place in New York: #195 of 272.
- One place up in New York, Steuben Citizens (#206) ties at 71/100; one place down, B.S. and C.P. Hospitals Employees (#208) scores 70/100, 1 point lower.
Quarter path for Le Roy
Le Roy: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $20.8M (2025Q4) to $21.6M (2026Q1).
- Net-worth ratio shifted +0.13 pp (10.58% → 10.71%).
At 10.71%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 71/100 score is built
Le Roy gives up 29 points in total. Delinquency Rate costs the most, 12.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.3 pts
- Return on Assets 15.0 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 9.4 pts
Call Report ratios for Le Roy
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.71% | -4.15 pp |
| Delinquency Rate | 2.03% | +0.88 pp |
| Return on Assets | 1.73% | +1.03 pp |
| Member Growth | -2.63% | - |
| Loan-to-Share Ratio | 36.87% | -22.93 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Le Roy
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.6M | - |
| 2025Q4 | $20.8M | 1,557 |
| 2024Q4 | $19.6M | 1,599 |
| 2023Q4 | $18.2M | 1,626 |
Credit Union Details
- Charter Number
- 12170
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- LE ROY
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Le Roy runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| LeRoy Federal Credit Union (Main Office) | Le Roy, NY |
| Evergreen FCU | Henrietta, NY |
| Cocc | Rochester, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Cross-state Call Report peers for Le Roy
Similar total assets
Similar health score
Using this data
- Le Roy ranks #3,540 of 4,374 nationally on financial health and #207 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Niagara Falls a F is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Niagara Falls a F
Frequently Asked Questions
Is Le Roy financially healthy?
Le Roy has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,540 of 4,374 nationally on health and #207 of 272 in New York. Its net worth ratio is 10.71% and its delinquency rate 2.03%.
How does Le Roy compare to other credit unions?
Le Roy scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.73% vs 0.70%). Its widest shortfall is loan-to-share ratio (36.87% vs 59.80%).
How can I join Le Roy?
Le Roy 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 Le Roy directly for the exact boundaries and application steps.
Is my money safe at Le Roy?
Le Roy 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. Le Roy's net worth ratio of 10.71% 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.