Federal credit union · TONAWANDA, New York · NCUA charter #9676
Linton
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $7.6M
- Total assets
- 810
- Members
- 19.7%
- Net-worth ratio
Linton - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #9676 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Linton - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth9
- Liquidity (loan-to-share)93
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
19.67% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.67% | 30% |
| Delinquency Rate | 0.08% | 25% |
| Return on Assets | 1.29% | 15% |
| Member Growth | -4.26% | 15% |
| Loan-to-Share Ratio | 65.46% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Linton
Headquartered in TONAWANDA, New York, Linton is a federal credit union with 810 members, $7.6M in total assets, and $3.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 85/100 (Excellent), driven in part by a net worth ratio of 19.67% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #9676 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 65.46% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.08% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 1.29% on net income of $98K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.26%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Healthcare) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Linton financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Linton carries a financial health score of 85/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.67% net worth ratio and a 0.08% delinquency rate.
How does Linton compare to other credit unions?
Linton scores 85/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like Linton 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. Linton's net worth ratio of 19.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Linton offer compared to banks?
Credit unions like Linton 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 Linton directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.