Federal credit union · COOPERSTOWN, New York · NCUA charter #22625
Leatherstocking Region
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $101.3M
- Total assets
- 5,965
- Members
- 11.7%
- Net-worth ratio
Leatherstocking Region scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $101.3M; members 5,965; net-worth ratio 11.68%; health rank #387 of 4,374; healthier than 90th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#387 of 4,374 health · 2025Q4Leatherstocking Region · health 95/100 · $101.3M · 2025Q4
- MEM 95/100
- RANK 11.7%
- PHOTO 0.99%
- BOOK 1.40%
- CHARTER $101.3M
- NCUSIF 5,965
- CAMELS #387/4,374
- HEALTH Commodore Perry
- NW 22625
Call Report peers
Leatherstocking Region in the assets neighbourhood
Leatherstocking Region's $101.3M assets sit next to Commodore Perry ($101.1M) 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.
Leatherstocking Region 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
95 Top 10% higher than 90% 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
Leatherstocking Region - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #22625 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Leatherstocking Region diverges from peer averages
- Largest favorable gap: Return on Assets at 1.40% vs peer 0.62% (+0.78 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -1.52 pp (70.68% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Leatherstocking Region: in-state Call Report ranks
- In New York, health place is #23 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #87 of 272.
- Member book place in New York: #100 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.
How Leatherstocking Region's 5300 filing moved
Leatherstocking Region: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.2% from $101.3M (2025Q4) to $107.5M (2026Q1).
- Net-worth ratio shifted -0.44 pp (12.12% → 11.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.1 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.9 pts
Leatherstocking Region health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.68% | -0.43 pp |
| Delinquency Rate | 0.99% | +0.10 pp |
| Return on Assets | 1.40% | +0.78 pp |
| Member Growth | 6.56% | - |
| Loan-to-Share Ratio | 70.68% | -1.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Leatherstocking Region filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $107.5M | - |
| 2025Q4 | $101.3M | 5,965 |
| 2024Q4 | $89.4M | 5,598 |
| 2023Q4 | $74.3M | 5,349 |
Credit Union Details
- Charter Number
- 22625
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- COOPERSTOWN
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Leatherstocking Region runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Cooperstown, 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 Leatherstocking Region
Two NCUA Call Report peer sets for Leatherstocking Region, 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 ($101.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Leatherstocking Region ranks #387 of 4,374 nationally on financial health and #23 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COMPASS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COMPASS
- 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 Leatherstocking Region financially healthy?
Leatherstocking Region has a financial health score of 95/100 (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 #387 of 4,374; by total assets it ranks #1,809 of 4,374 nationally (same basis as /rankings/largest); and #87 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 11.68% and delinquency rate of 0.99%.
How does Leatherstocking Region compare to other credit unions?
On PlainCU's health composite, Leatherstocking Region lands at 95/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Leatherstocking Region?
Leatherstocking Region 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 Leatherstocking Region directly for the exact boundaries and application steps.
Is my money safe at Leatherstocking Region?
Federal credit unions like Leatherstocking Region 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. Leatherstocking Region's net worth ratio of 11.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Leatherstocking Region offer compared to banks?
Credit unions like Leatherstocking Region 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 Leatherstocking Region 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.