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
Call Report peers
Local 41 I.B.E.W. in the assets neighbourhood
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Local 41 I.B.E.W. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Local 41 I.B.E.W. sits in 95-99 with 391 others.
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in New York, SERVU (#6) ties at 98/100; one place down, United Nations (#8) ties at 98/100.
Quarter path for Local 41 I.B.E.W.
Local 41 I.B.E.W.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $17.9M (2025Q4) to $18.3M (2026Q1).
- Net-worth ratio shifted +0.17 pp (12.61% → 12.78%).
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
Local 41 I.B.E.W. gives up 2 points in total. Loan-to-Share Ratio costs the most, 1.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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.
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
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) from its 2025Q4 NCUA 5300 Call Report. It ranks #97 of 4,374 nationally on health and #7 of 272 in New York. Its net worth ratio is 12.78% and its delinquency rate 0.00%.
How does Local 41 I.B.E.W. compare to other credit unions?
Local 41 I.B.E.W. scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (62.29% vs 59.80%). Its widest shortfall is net worth ratio (12.78% vs 14.86%).
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.?
Local 41 I.B.E.W. 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. Local 41 I.B.E.W.'s net worth ratio of 12.78% 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.