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
Call Report peers
MONEY in the assets neighbourhood
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MONEY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MONEY sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in New York, Penn South Cooperative (#183) ties at 75/100; one place down, Rochester & Monroe Co Emp (#185) ties at 75/100.
MONEY Call Report trajectory
MONEY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $51.0M (2025Q4) to $52.5M (2026Q1).
- Net-worth ratio shifted -0.28 pp (13.63% → 13.35%).
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
MONEY gives up 25 points in total. Member Growth costs the most, 12.8 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is MONEY financially healthy?
MONEY has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,265 of 4,374 nationally on health and #184 of 272 in New York. Its net worth ratio is 13.35% and its delinquency rate 0.25%.
How does MONEY compare to other credit unions?
MONEY scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.25% vs 0.96%). Its widest shortfall is loan-to-share ratio (48.50% vs 62.60%).
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?
MONEY 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. MONEY's net worth ratio of 13.35% 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.