Federal credit union · CHEEKTOWAGA, New York · NCUA charter #11550
Maryvale Schools
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $10.0M
- Total assets
- 793
- Members
- 19.7%
- Net-worth ratio
Maryvale Schools - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11550: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Maryvale Schools - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)79
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 19.69%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.69% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.99% | 15% |
| Member Growth | -12.57% | 15% |
| Loan-to-Share Ratio | 55.75% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $10.0M | 793 |
| 2024Q4 | $10.2M | 907 |
| 2023Q4 | $10.4M | 927 |
Credit Union Details
- Charter Number
- 11550
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $10M–$50M
- State
- New York
- City
- CHEEKTOWAGA
- Data Quarter
- 2025Q4
What This Data Says About Maryvale Schools
Maryvale Schools is a federal credit union headquartered in CHEEKTOWAGA, New York, serving 793 members with $10.0M in total assets and $4.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 82/100 (Excellent), anchored by a net worth ratio of 19.69% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #11550 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 55.75% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.99% on net income of $99K 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 -12.57%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Single Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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 Maryvale Schools financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Maryvale Schools carries a financial health score of 82/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.69% net worth ratio and a 0.00% delinquency rate.
How does Maryvale Schools compare to other credit unions?
Maryvale Schools scores 82/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Maryvale Schools?
Maryvale Schools is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Maryvale Schools directly to confirm eligibility.
Is my money safe at Maryvale Schools?
Federal credit unions like Maryvale Schools 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. Maryvale Schools's net worth ratio of 19.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Maryvale Schools offer compared to banks?
Credit unions like Maryvale Schools 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 Maryvale Schools 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.