Federal credit union · TONAWANDA, New York · NCUA charter #9676
LINTON
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $7.6M
- Total assets
- 810
- Members
- 20.7%
- Net-worth ratio
LINTON scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.6M; members 810; net-worth ratio 20.72%; health rank #1,882 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,882 of 4,374 health · 2025Q4LINTON · health 85/100 · $7.6M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LINTON vs every NCUA-scored credit union
LINTON sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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
LINTON vs $2M–$10M peers
- Largest favorable gap: Loan-to-Share Ratio at 65.46% vs peer 63.60% (+1.86 pp).
New York standing for LINTON
- New York health ordinal: #109 of 272.
- Assets rank #220 of 272 inside New York ($7.6M reported).
- Membership ranks #221 of 272 among New York CUs with a reported count (810 members).
- One place up in New York, Inner Lakes (#108) scores 86/100, 1 point higher; one place down, Parks Heritage (#110) ties at 85/100.
LINTON: 2025Q4 → 2026Q1
LINTON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.4% from $7.6M (2025Q4) to $8.2M (2026Q1).
- Net-worth ratio shifted -1.34 pp (22.06% → 20.72%).
20.72% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
LINTON gives up 15 points in total. Member Growth costs the most, 13.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.3 pts
- Loan-to-Share Ratio 13.7 pts
LINTON vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.72% | +1.66 pp |
| Delinquency Rate | 0.08% | -1.72 pp |
| Return on Assets | 1.29% | +0.84 pp |
| Member Growth | -4.26% | - |
| Loan-to-Share Ratio | 65.46% | +1.86 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.2M | - |
| 2025Q4 | $7.6M | 810 |
| 2024Q4 | $7.0M | 846 |
| 2023Q4 | $6.1M | 894 |
Credit Union Details
- Charter Number
- 9676
- Type
- Federal
- Field of Membership
- Healthcare
- Peer Group
- $2M–$10M
- State
- New York
- City
- TONAWANDA
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for LINTON.
| Office | City |
|---|---|
| Linton Federal Credit Union (Main Office) | Tonawanda, 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.
Other-state peers near LINTON
Similar health score
Using this data
- LINTON ranks #1,882 of 4,374 nationally on financial health and #109 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sister's Hospital Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sister's Hospital Employees
Frequently Asked Questions
Is LINTON financially healthy?
LINTON has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,882 of 4,374 nationally on health and #109 of 272 in New York. Its net worth ratio is 20.72% and its delinquency rate 0.08%.
How does LINTON compare to other credit unions?
LINTON scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (65.46% vs 63.60%).
How can I join LINTON?
LINTON is chartered around a single common bond (Healthcare), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact LINTON directly to confirm eligibility.
Is my money safe at LINTON?
LINTON 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. LINTON's net worth ratio of 20.72% 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.