Federal credit union · ORCHARD PARK, New York · NCUA charter #22447
Local 41 I.B.E.W.
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $17.9M
- Total assets
- 2,341
- Members
- 12.8%
- Net-worth ratio
Local 41 I.B.E.W. scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.9M; members 2,341; net-worth ratio 12.78%; health rank #97 of 4,374; healthier than 97th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#97 of 4,374 health · 2025Q4Local 41 I.B.E.W. · health 98/100 · $17.9M · 2025Q4
- ROA 98/100
- ASSETS 12.8%
- MEM 0.00%
- RANK 2.12%
- PHOTO $17.9M
- BOOK 2,341
- CHARTER #97/4,374
- NCUSIF 1st University
- CAMELS 22447
Call Report peers
Local 41 I.B.E.W. in the assets neighbourhood
Local 41 I.B.E.W.'s $17.9M assets sit next to 1st University ($17.9M) 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.
Local 41 I.B.E.W. 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
98 Top 3% higher than 97% 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
Local 41 I.B.E.W. - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #22447, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Local 41 I.B.E.W.
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +2.49 pp (62.29% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -2.08 pp (12.78% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Local 41 I.B.E.W.: in-state Call Report ranks
- In New York, health place is #7 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #190 of 272.
- New York membership ordinal: #164 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 Local 41 I.B.E.W.
Local 41 I.B.E.W.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $17.9M (2025Q4) to $18.3M (2026Q1).
- Net-worth ratio shifted +0.17 pp (12.61% → 12.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.78% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.78% | -2.08 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 2.12% | +1.41 pp |
| Member Growth | 18.53% | - |
| Loan-to-Share Ratio | 62.29% | +2.49 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 - Local 41 I.B.E.W.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.3M | - |
| 2025Q4 | $17.9M | 2,341 |
| 2024Q4 | $16.8M | 1,975 |
| 2023Q4 | $16.0M | 1,895 |
Credit Union Details
- Charter Number
- 22447
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New York
- City
- ORCHARD PARK
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Local 41 I.B.E.W..
| Office | City |
|---|---|
| Local 41 IBEW FCU (Main Office) | Orchard Park, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Local 41 I.B.E.W.
Local 41 I.B.E.W.'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 ($17.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- Local 41 I.B.E.W. ranks #97 of 4,374 nationally on financial health and #7 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CADETS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CADETS
- 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 Local 41 I.B.E.W. financially healthy?
Local 41 I.B.E.W. has a financial health score of 98/100 (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 #97 of 4,374; by total assets it ranks #3,213 of 4,374 nationally (same basis as /rankings/largest); and #190 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 12.78% and delinquency rate of 0.00%.
How does Local 41 I.B.E.W. compare to other credit unions?
PlainCU's health composite puts Local 41 I.B.E.W. at 98/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Local 41 I.B.E.W.?
Local 41 I.B.E.W. serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Local 41 I.B.E.W. directly for the current list of qualifying groups.
Is my money safe at Local 41 I.B.E.W.?
Federal credit unions like Local 41 I.B.E.W. 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. Local 41 I.B.E.W.'s net worth ratio of 12.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Local 41 I.B.E.W. offer compared to banks?
Credit unions like Local 41 I.B.E.W. 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 Local 41 I.B.E.W. 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.