Federal credit union · MARCY, New York · NCUA charter #20823
Mohawk Valley
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $60.8M
- Total assets
- 3,241
- Members
- 12.0%
- Net-worth ratio
Mohawk Valley - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #20823, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Mohawk Valley - 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 growth46
- Liquidity (loan-to-share)70
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.00%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.00% | 30% |
| Delinquency Rate | 0.38% | 25% |
| Return on Assets | 0.86% | 15% |
| Member Growth | -1.19% | 15% |
| Loan-to-Share Ratio | 50.10% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $60.8M | 3,241 |
| 2024Q4 | $51.8M | 3,280 |
| 2023Q4 | $46.6M | 3,254 |
Credit Union Details
- Charter Number
- 20823
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- New York
- City
- MARCY
- Data Quarter
- 2025Q4
What This Data Says About Mohawk Valley
Mohawk Valley is a federal credit union headquartered in MARCY, New York, serving 3,241 members with $60.8M in total assets and $26.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 87/100 (Excellent), anchored by a net worth ratio of 12.00% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #20823 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
0.38% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 50.10% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.86% on net income of $521K 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 -1.19%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group 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 Mohawk Valley financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Mohawk Valley carries a financial health score of 87/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.00% net worth ratio and a 0.38% delinquency rate.
How does Mohawk Valley compare to other credit unions?
87/100 is Mohawk Valley's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Mohawk Valley?
Mohawk Valley 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 Mohawk Valley directly for the current list of qualifying groups.
Is my money safe at Mohawk Valley?
Federal credit unions like Mohawk Valley 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. Mohawk Valley's net worth ratio of 12.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mohawk Valley offer compared to banks?
Credit unions like Mohawk Valley 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 Mohawk Valley 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.