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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,540 of 4,374 health · 2025Q4Le Roy · health 71/100 · $20.8M · 2025Q4
- NW 71/100
- DELQ 10.7%
- ROA 2.03%
- ASSETS 1.73%
- MEM $20.8M
- RANK 1,557
- PHOTO #3,540/4,374
- BOOK ENCENTUS
- CHARTER 12170
Call Report peers
Le Roy in the assets neighbourhood
Le Roy's $20.8M assets sit next to ENCENTUS ($20.8M) 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.
Le Roy 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
71 18th percentile higher than 18% 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
Le Roy - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #12170: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Le Roy
Le Roy: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $20.8M (2025Q4) to $21.6M (2026Q1).
- Net-worth ratio shifted +0.13 pp (10.58% → 10.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Le Roy's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($20.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
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
- 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 Le Roy financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Le Roy carries a financial health score of 71/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,540 of 4,374; by total assets it ranks #3,124 of 4,374 nationally (same basis as /rankings/largest); and #182 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.71% net worth ratio and a 2.03% delinquency rate.
How does Le Roy compare to other credit unions?
71/100 is Le Roy's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Le Roy 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. Le Roy's net worth ratio of 10.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Le Roy offer compared to banks?
Credit unions like Le Roy 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 Le Roy 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.