Federal credit union · Syracuse, New York · NCUA charter #22566
MONEY
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $51.0M
- Total assets
- 3,323
- Members
- 13.4%
- Net-worth ratio
MONEY scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $51.0M; members 3,323; net-worth ratio 13.35%; health rank #3,265 of 4,374; healthier than 24th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,265 of 4,374 health · 2025Q4MONEY · health 75/100 · $51.0M · 2025Q4
- RANK 75/100
- PHOTO 13.4%
- BOOK 0.25%
- CHARTER 0.07%
- NCUSIF $51.0M
- CAMELS 3,323
- HEALTH #3,265/4,374
- NW BADGER-GLOBE
- DELQ 22566
Call Report peers
MONEY in the assets neighbourhood
MONEY's $51.0M assets sit next to BADGER-GLOBE ($51.0M) 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.
MONEY 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
75 24th percentile higher than 24% 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
MONEY - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #22566: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where MONEY diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.72 pp (0.25% vs 0.96%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -14.10 pp (48.50% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where MONEY sits in New York
- In New York, health place is #184 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #127 of 272 inside New York ($51.0M reported).
- Membership ranks #132 of 272 among New York CUs with a reported count (3,323 members).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
MONEY Call Report trajectory
MONEY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $51.0M (2025Q4) to $52.5M (2026Q1).
- Net-worth ratio shifted -0.28 pp (13.63% → 13.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 7.5 pts
- Member Growth 2.2 pts
- Loan-to-Share Ratio 10.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.35% | -0.27 pp |
| Delinquency Rate | 0.25% | -0.72 pp |
| Return on Assets | 0.07% | -0.59 pp |
| Member Growth | -3.76% | - |
| Loan-to-Share Ratio | 48.50% | -14.10 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - MONEY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $52.5M | - |
| 2025Q4 | $51.0M | 3,323 |
| 2024Q4 | $51.1M | 3,453 |
| 2023Q4 | $48.6M | 3,804 |
Credit Union Details
- Charter Number
- 22566
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- Syracuse
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for MONEY.
| Office | City |
|---|---|
| Money FCU (Main Office) | Syracuse, 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 MONEY
MONEY'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 ($51.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- MONEY ranks #3,265 of 4,374 nationally on financial health and #184 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- QSIDE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with QSIDE
- 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 MONEY financially healthy?
Yes/no aside, the number is 75/100 (Very Good) - MONEY's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,265 of 4,374; by total assets it ranks #2,386 of 4,374 nationally (same basis as /rankings/largest); and #127 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.35% net worth ratio and 0.25% delinquency rate are the key drivers.
How does MONEY compare to other credit unions?
On PlainCU's health composite, MONEY lands at 75/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 MONEY?
MONEY operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact MONEY directly for the exact boundaries and application steps.
Is my money safe at MONEY?
Federal credit unions like MONEY 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. MONEY's net worth ratio of 13.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MONEY offer compared to banks?
Credit unions like MONEY 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 MONEY 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.